# EDGAR Filing Document

**Accession Number:** 0001547361
**File Stem:** 0001999371-26-002676
**Filing Date:** 2026-2
**Character Count:** 4567817
**Document Hash:** 949efbcccd40e70720af9fe8b6205577
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-002676.hdr.sgml**: 20260205

**ACCESSION NUMBER**: 0001999371-26-002676

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

**PUBLIC DOCUMENT COUNT**: 55

**CONFORMED PERIOD OF REPORT**: 20260205

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

**FILED AS OF DATE**: 20260205

**DATE AS OF CHANGE**: 20260205

**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:** 26604095

**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<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549<br>** 

<br> **FORM ABS-15G<br>ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> 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<br> to contact in connection with this filing.

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

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

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

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

Central Index Key Number of depositor: <u>0001547361</u>

 <u>MORGAN STANLEY RESIDENTIAL MORTGAGE LOAN TRUST 2026-NQM2</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>

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<br> to contact in connection with this filing.

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

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

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

**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: February 5, 2026

By: <u>/s/ Anthony Piperno</u>

Name: Anthony Piperno

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)

[Schedule 6 - Multi Property Valuation Report](ex99-2s6.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](ex99-4s6.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)

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

[Schedule 6 - Rating Agency Multi-Property Valuation Report](ex99-7s6.htm)

## Exhibit 99.1

**Exhibit 99.1**

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

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

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

Morgan Stanley Mortgage Capital Holdings LLC (the "Sponsor")

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

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

1585 Broadway

New York, New York 10036

5 February 2026

---

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|:---|:---|
| **Re:** | **Morgan Stanley Residential Mortgage Loan Trust 2026-NQM2 (the "Issuing Entity")<br> Mortgage Pass-Through Certificates, Series 2026-NQM2 (the "Certificates")<br> 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 2026-NQM2 - Prelim Filing 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 "Preliminary Mortgage Loans") which are expected to be representative
of the Mortgage Loans and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Labeled "MSRM_2026_NQM2_EY_Tape_Updated.xlsx" and the corresponding record layout and
decode information, as applicable (the "Preliminary Data File"), that the Initial Purchaser, on behalf of the Depositor,
indicated contains information as of 1 February 2026 (the "Cut-off Date") relating to the Preliminary
Mortgage Loans,

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| ![](eylogo.jpg) | <br>Page 2 of 3 |

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b. 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 (the "Appraisal"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Rental loan term sheet (the "Rental Loan Term Sheet"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Fraud report (the "Fraud Report"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Contract for the sale and purchase of real estate, assignment of purchase contract interest and/or sale
escrow instructions (collectively and as applicable, the "Sale Contract") and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. 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),

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

d. 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, 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, 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 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 or 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.

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|:---|:---|
| ![](eylogo.jpg) | <br>Page 3 of 3 |

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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

5 February 2026

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|:---|:---|
| ![](eylogo.jpg) | <br>**Attachment A** |

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**<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 291 Preliminary Mortgage Loans from the Loan Listing Data File (the "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 Sample Mortgage Loans or the methodology they instructed us to use to select the Sample Mortgage Loans from the Loan Listing
Data File.

For the purpose of the procedures described in this report, the 291 Sample Mortgage Loans are referred to as Sample Mortgage Loan Numbers 1 through 291.

2. 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 were included on both the Loan Listing Data File and Preliminary
Data File and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. No mortgage loans other than the Preliminary Mortgage Loans were included on the Loan Listing Data File
or Preliminary Data File.

3. 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 5

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

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| | | |
|:---|:---|:---|
| **<u>Sample Characteristic</u>** | **Preliminary<br> <u>Data File Field Name</u>** | **<u>Source Document(s)</u>** |
| Loan number | Investor Loan ID | Note |
| 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 |
| Original interest only term | Original Interest Only Term | (a) Note or<br> (b) Note and recalculation |
| Prepayment charge term | Prepayment Penalty Total Term | Note |
| Occupancy status | Occupancy | Application or Underwriting Summary |
| Appraisal value | Original Appraised Property Value | Appraisal or Rental Loan Term Sheet |
| Property type | Property Type | Appraisal or Underwriting Summary |
| Sale price | Sales Price | Sale Contract or Settlement Statement |
| Loan purpose | Loan Purpose | Application, Fraud Report, Credit Report or recalculation |
| Junior lien balance | Junior Mortgage Balance | Underwriting Summary, Application, Settlement Statement or Credit Report |
| Index description | Index Type | Note |
| Gross margin | Gross Margin | Note |
| Initial fixed rate period | Initial Fixed Rate Period | (a) Note or<br> (b) Note and recalculation |
| Subsequent interest rate reset period | Subsequent Interest Rate Reset Period | Note |
| Initial interest rate cap change up | Initial Interest Rate Cap Change Up | (a) Note or<br> (b) Note and recalculation |
| Initial interest rate cap change down | Initial Interest Rate Cap Change Down | Note and recalculation |
| Subsequent interest rate change up | Subsequent Interest Rate Change Up | Note |
| Subsequent interest rate change down | Subsequent Interest Rate Change Down | Note |
| Maximum interest rate | Lifetime Maximum Rate Ceiling | Note |
| Minimum interest rate | Lifetime Minimum Rate Floor | Note or Settlement Statement |
| Original loan-to-value ratio | Original LTV | Recalculation |
| Combined loan-to-value ratio | Original CLTV | Recalculation |

---

**Exhibit 1 to Attachment A**

Page 2 of 5

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

i. The loan number Sample Characteristic is for identification
purposes only.

ii. For the purpose of comparing the original term Sample
Characteristic for any 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 use 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 any 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 use 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 any Sample Characteristic
listing the Application as a Source Document for any Sample Mortgage Loan for which the Initial Purchaser, on behalf of the Depositor,
provided more than one Application, the Initial Purchaser, on behalf of the Depositor, instructed us to use the most recent Application
as the Source Document.

v. For the purpose of comparing the occupancy status Sample
Characteristic, 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. 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 any Sample Characteristic
listing the Appraisal as a Source Document for any Sample Mortgage Loan for which the Initial Purchaser, on behalf of the Depositor, provided
more than one Appraisal (except for the appraisal value Sample Characteristic for Sample Mortgage Loan Number 165), the Initial Purchaser,
on behalf of the Depositor, instructed us to use the Appraisal with the lowest appraisal value as the Source Document.

For the purpose of comparing the appraisal value Sample Characteristic for Sample Mortgage Loan Number 165, the Initial Purchaser, on behalf of the Depositor, instructed us to use the Rental Loan Term Sheet as the Source Document.

vii. For the purpose of comparing the appraisal value Sample
Characteristic for any Sample Mortgage Loan for which the Initial Purchaser, on behalf of the Depositor, provided Source Document(s) for
each mortgaged property relating to such Sample Mortgage Loan, 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 Source Document(s).

**Exhibit 1 to Attachment A**

Page 3 of 5

viii. For the purpose of comparing the property type Sample
Characteristic, 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. 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, the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement with a property type of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) "Townhouse" if the design (style) is "Twnhse,"
"Townhouse," "TownHm" or "TownHome,"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) "Townhouse" if the type is "S-Det./End
Unit" and the Appraisal indicates that HOA dues are required,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) "1 Family Attached" if the type is "S-Det./End
Unit" and the design (style) is "Row," "Duplex," "Semi-Det," "COL," "Semi,"
"MillHse," "Ranch," "Row House," "Twin," "SD2;Colonial-ED" or "Raised
Beach" or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) "1 Family Attached" if the design (style)
is "Townhouse" and the Appraisal indicates that no HOA dues are required,

as shown in the applicable Source Document.

ix. For the purpose of comparing any Sample Characteristic
listing the Settlement Statement as a Source Document for any Sample Mortgage Loan for which the Initial Purchaser, on behalf of the Depositor,
provided 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.

x. For the purpose of comparing the sale price Sample Characteristic,
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 (except for Sample Mortgage Loan Numbers 79 and 84) listed for such
Sample Characteristic. We performed no procedures to reconcile any differences that may exist relating to the information in the Source
Documents relating to the sale price Sample Characteristic.

For the purpose of comparing the sale price Sample Characteristic for Sample Mortgage Loan Numbers 79 and 84, the Initial Purchaser, on behalf of the Depositor, instructed us to use the sum of the sales price and assignment fee, both as shown in the Settlement Statement.

**Exhibit 1 to Attachment A**

Page 4 of 5

xi. For the purpose of comparing the loan purpose Sample
Characteristic for any 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 at least one of the Source Documents listed for such Sample Characteristic. 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 any 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

&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.

For any Refinanced Sample Mortgage Loan (except for Sample Mortgage Loan Number 3), 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.

For Sample Mortgage Loan Number 3, the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement with a loan purpose of "Refinance – Rate Term" if the Amount to Borrower is less than the lesser of (i) $5,000 and (ii) 5% of the original principal balance, as shown in the Note.

xii. For the purpose of comparing the junior lien balance Sample Characteristic,
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. 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 5 of 5

xiii. The Initial Purchaser, on behalf of the Depositor, instructed us not to perform
any procedures with respect to the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Index description,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Gross margin,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Initial fixed rate period,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Subsequent interest rate reset period,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) Initial interest rate cap change up,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) Initial interest rate cap change down,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) Subsequent interest rate change up,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(h) Subsequent interest rate change down,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) Maximum interest rate and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(j) Minimum interest rate

Sample Characteristics for any Sample Mortgage Loan with a gross margin value of "0.000(%)" or , as shown on the Preliminary Data File.

xiv. For the purpose of comparing the initial fixed rate period Sample Characteristic
for any Sample Mortgage Loan with a gross margin value greater than "0.000(%)," as shown in the Note (each, an "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 use 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.

xv. For the purpose of comparing the initial interest rate cap change up Sample
Characteristic for any 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 use 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.

xvi. For the purpose of comparing the initial interest rate cap change down Sample
Characteristic for any 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 use 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(%).

xvii. For the purpose of comparing the minimum interest rate
Sample Characteristic for any ARM Sample Mortgage Loan that does not have the minimum interest rate specifically stated in the Note or
Settlement Statement, 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.

xviii. The Initial Purchaser, on behalf of the Depositor, instructed
us to use:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) For any Purchase Sample Mortgage Loan, the lesser of
the (1) appraisal value, as shown in the Appraisal or Rental Loan Term Sheet, and (2) sale price, as shown in the Sale Contract or Settlement
Statement,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) For any Refinanced Sample Mortgage Loan (except for Sample
Mortgage Loan Numbers 238, 247 and 272), the appraisal value, as shown in the Appraisal or Rental Loan Term Sheet, or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) For Sample Mortgage Loan Numbers 238, 247 and 272, the
value

used for LTV, as shown on the Preliminary Data File,

as the "Value for LTV."

xix. For the purpose of comparing the original loan-to-value
ratio Sample Characteristic, the Initial Purchaser, on behalf of the Depositor, instructed us to use the quotient (rounded to the fourth
decimal place (X.XXXX)) of the:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Value for LTV.

xx. For the purpose of comparing the combined loan-to-value
ratio Sample Characteristic, the Initial Purchaser, on behalf of the Depositor, instructed us to use the quotient (rounded to the fourth
decimal place (X.XXXX)) of the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Sum of the original principal balance, as shown in the
Note, and junior lien balance, as shown in the applicable Source Document(s), divided by

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Value for LTV.

xxi. For the purpose of comparing the original loan-to-value
ratio and combined loan-to-value ratio Sample Characteristics, 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**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Sample Mortgage <u>Loan Number</u>** | &nbsp;&nbsp;**<u>Sample Characteristic</u>** | &nbsp;&nbsp;**<u>Preliminary Data File Value</u>** | &nbsp;&nbsp;**<u>Source Document Value</u>** |
| &nbsp;&nbsp;6 | &nbsp;&nbsp;Property type | &nbsp;&nbsp;Single Family Detached (non-PUD) | &nbsp;&nbsp;1 Family Attached |
| &nbsp;&nbsp;44 | &nbsp;&nbsp;Loan purpose | &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp; First Time Home Purchase<br>|
| &nbsp;&nbsp;57 | &nbsp;&nbsp;Property type | &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;2 Family |
| &nbsp;&nbsp;126 | &nbsp;&nbsp;Property type | &nbsp;&nbsp;Condo, Low Rise (4 or fewer stories) | &nbsp;&nbsp;Condo, High Rise (5+ stories) |
| &nbsp;&nbsp;150 | &nbsp;&nbsp;Initial interest rate cap change down | &nbsp;&nbsp;5.000 | &nbsp;&nbsp;0.000 |
| &nbsp;&nbsp;151 | &nbsp;&nbsp;Initial interest rate cap change down | &nbsp;&nbsp;5.000 | &nbsp;&nbsp;0.000 |
| &nbsp;&nbsp;156 | &nbsp;&nbsp;Initial interest rate cap change down | &nbsp;&nbsp;5.000 | &nbsp;&nbsp;0.000 |
| &nbsp;&nbsp;157 | &nbsp;&nbsp;Initial interest rate cap change down | &nbsp;&nbsp;5.000 | &nbsp;&nbsp;0.000 |
| &nbsp;&nbsp;158 | &nbsp;&nbsp;Initial interest rate cap change down | &nbsp;&nbsp;5.000 | &nbsp;&nbsp;0.000 |
| &nbsp;&nbsp;161 | &nbsp;&nbsp;Initial interest rate cap change down | &nbsp;&nbsp;5.000 | &nbsp;&nbsp;0.000 |
| &nbsp;&nbsp;163 | &nbsp;&nbsp;Initial interest rate cap change down | &nbsp;&nbsp;5.000 | &nbsp;&nbsp;0.000 |
| &nbsp;&nbsp;204 | &nbsp;&nbsp;Appraisal value | &nbsp;&nbsp;[Redacted] | &nbsp;&nbsp;[Redacted] |
| &nbsp;&nbsp;212 | &nbsp;&nbsp;Loan purpose | &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp; First Time Home Purchase<br>|
| &nbsp;&nbsp;224 | &nbsp;&nbsp;Loan purpose | &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp; First Time Home Purchase<br>|
| &nbsp;&nbsp;245 | &nbsp;&nbsp;Loan purpose | &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp; First Time Home Purchase<br>|
| &nbsp;&nbsp;277 | &nbsp;&nbsp;Loan purpose | &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp; First Time Home Purchase<br>|
| &nbsp;&nbsp;285 | &nbsp;&nbsp;Initial interest rate cap change down | &nbsp;&nbsp;5.000 | &nbsp;&nbsp;0.000 |

---

## Exhibit 99.2

**Exhibit 99.2**

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

![](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 June 2024 through December 2025 on mortgage loans with origination dates from May 2024 through December 2025. The Review included loans reviewed under the Credit and Compliance Scope (356 mortgage loans) and the Leases Review Scope (71 loans), and the Leases Review Scope with Limited Compliance (141 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 sixty-eight (568) mortgage loans with an aggregate original principal balance of approximately $300.967 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 Units | &nbsp;&nbsp;Borrower Designation | &nbsp;&nbsp;Coborrower Birth Date | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;PITIA Reserves Months |
| &nbsp;&nbsp;1003 - Originator Name | &nbsp;&nbsp;Borrower EIN | &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Coborrower Designation | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Hard Penalty Period (months) | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Borrower Mailing City | &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original HCLTV | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Borrower Mailing State | &nbsp;&nbsp;Coborrower Mailing City | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Borrower Mailing Street | &nbsp;&nbsp;Coborrower Mailing State | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Blanket Mortgage? | &nbsp;&nbsp;Borrower Mailing Zip | &nbsp;&nbsp;Coborrower Mailing Street | &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Borrower Birth Date | &nbsp;&nbsp;Borrower Middle Name | &nbsp;&nbsp;Coborrower Mailing Zip | &nbsp;&nbsp;Lender | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Coborrower Middle Name | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Borrower Current City | &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;Coborrower Self-Employed? | &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Borrower Current State | &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Zip |

---

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<u>Borrower Current Street</u> <u>Cash To Borrower</u> <u>Contract Sales Price</u> <u>Maturity Date</u> <u>Origination Channel</u>   <br> <u>Borrower Current Zip</u> <u>City</u> <u>Decision System</u> <u>MERS Min Number</u> <u>Originator Loan Designation</u>  

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 (356 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

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including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

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

**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 (71 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.

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

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![](ex992001.jpg)

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:

○ The appraisal indicates the property is tenant occupied; or

○ The file contains a business purpose certificate; or

○ 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

○ 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 (356 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;

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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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;

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

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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

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

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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 |

---

---

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

---

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

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\* 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.

**(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

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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;▪ Initial
 application (1003);

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

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

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

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

**<u>LEASES & LIMITED COMPLIANCE REVIEW (141 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.).

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

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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 sixty-eight (568) mortgage loans in the securitization population reviewed by AMC. After all documents were presented under the applicable NRSRO grading criteria, three hundred twenty-six (326) (57.39%) loans had an Overall grade of "A", and two hundred forty-two (242) (42.61%) loans had an Overall loan grade of "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;326 | &nbsp;&nbsp;57.39% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;242 | &nbsp;&nbsp;42.61% |
| &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 seventy-one (71) Leases (without Limited Compliance) were not assigned a Compliance grade. Of the remaining four hundred ninety-seven (497) loans reviewed, under the applicable NRSRO grading criteria, one hundred ninety-two (192) 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;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;305 | &nbsp;&nbsp;61.37% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;192 | &nbsp;&nbsp;38.63% |
| &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 sixty-eight (568) mortgage loans, four hundred ninety-four (494) loans received an "A" Credit Review grade. The seventy-four (74) "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;494 | &nbsp;&nbsp;86.97% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;74 | &nbsp;&nbsp;13.03% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

Of the five hundred sixty-eight (568) loans reviewed under the applicable DBRS & Kroll NRSRO grading criteria, five hundred sixty-five (565) loans received an "A" Property/Valuation Review grade. The three (3) "B" Property/Valuation Review grades were due to missing documentation and/or guideline adherence.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS & Kroll Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;565 | &nbsp;&nbsp;99.47% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.53% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Of the five hundred sixty-eight (568) loans reviewed under the applicable S&P NRSRO grading criteria, five hundred sixty-four (564) loans received an "A" Property/Valuation Review grade. The four (4) "B" Property/Valuation Review grades were due to missing documentation and/or guideline adherence.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;564 | &nbsp;&nbsp;99.30% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**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 Type** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;111 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;GSE | &nbsp;&nbsp;85 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;TILA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;FACTA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***241*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**241** |
| &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;58 |

---

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---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;11 |
|  |  | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Credit | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***77*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**77** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**3** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**321** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**S&P Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;111 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;85 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;FACTA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***241*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**241** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***77*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**77** |

---

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;3 |
| &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;***4*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**4** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**322** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the five hundred sixty-eight (568) mortgage loans reviewed, three hundred seventy-five (375) (66.02%) mortgage loans had tape discrepancies across fifty-four (54) unique data fields. The most common tape discrepancies were Escrow Account, Investor: Qualifying Total Debt Ratio and Doc 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 Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;186 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;1003 - Originator Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;6 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;7 | &nbsp;&nbsp;118 | &nbsp;&nbsp;5.93% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;149 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;58 | &nbsp;&nbsp;1.72% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;366 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Blanket Mortgage? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Borrower Birth Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;68 | &nbsp;&nbsp;1.47% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;1 | &nbsp;&nbsp;29 | &nbsp;&nbsp;3.45% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Borrower Current City | &nbsp;&nbsp;2 | &nbsp;&nbsp;10 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Borrower Current State | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;10.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Borrower Current Street | &nbsp;&nbsp;3 | &nbsp;&nbsp;10 | &nbsp;&nbsp;30.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Borrower Current Zip | &nbsp;&nbsp;2 | &nbsp;&nbsp;10 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Borrower Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Borrower EIN | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;13 | &nbsp;&nbsp;492 | &nbsp;&nbsp;2.64% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;3 | &nbsp;&nbsp;81 | &nbsp;&nbsp;3.70% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;8 | &nbsp;&nbsp;564 | &nbsp;&nbsp;1.42% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Borrower Mailing City | &nbsp;&nbsp;6 | &nbsp;&nbsp;59 | &nbsp;&nbsp;10.17% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Borrower Mailing State | &nbsp;&nbsp;0 | &nbsp;&nbsp;59 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Borrower Mailing Street | &nbsp;&nbsp;12 | &nbsp;&nbsp;59 | &nbsp;&nbsp;20.34% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Borrower Mailing Zip | &nbsp;&nbsp;8 | &nbsp;&nbsp;58 | &nbsp;&nbsp;13.79% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Borrower Middle Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;10 | &nbsp;&nbsp;30.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;43 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;3 | &nbsp;&nbsp;428 | &nbsp;&nbsp;0.70% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;6 | &nbsp;&nbsp;558 | &nbsp;&nbsp;1.08% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Coborrower Birth Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;84 | &nbsp;&nbsp;5.95% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;1 | &nbsp;&nbsp;72 | &nbsp;&nbsp;1.39% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Coborrower Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;7 | &nbsp;&nbsp;84 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;84 | &nbsp;&nbsp;1.19% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Coborrower Mailing City | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Coborrower Mailing State | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Coborrower Mailing Street | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Coborrower Mailing Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Coborrower Middle Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;7 | &nbsp;&nbsp;28.57% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Coborrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;3 | &nbsp;&nbsp;84 | &nbsp;&nbsp;3.57% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;111 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;63 | &nbsp;&nbsp;301 | &nbsp;&nbsp;20.93% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;95 | &nbsp;&nbsp;498 | &nbsp;&nbsp;19.08% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;142 | &nbsp;&nbsp;0.70% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Hard Penalty Period (months) | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;21 | &nbsp;&nbsp;365 | &nbsp;&nbsp;5.75% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;2 | &nbsp;&nbsp;101 | &nbsp;&nbsp;1.98% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;73 | &nbsp;&nbsp;352 | &nbsp;&nbsp;20.74% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Lender | &nbsp;&nbsp;0 | &nbsp;&nbsp;364 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;148 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;7 | &nbsp;&nbsp;94 | &nbsp;&nbsp;7.45% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;120 | &nbsp;&nbsp;0.83% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;124 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;60 | &nbsp;&nbsp;193 | &nbsp;&nbsp;31.09% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;2 | &nbsp;&nbsp;560 | &nbsp;&nbsp;0.36% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;27 | &nbsp;&nbsp;503 | &nbsp;&nbsp;5.37% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Original HCLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;41 | &nbsp;&nbsp;4.88% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;6 | &nbsp;&nbsp;557 | &nbsp;&nbsp;1.08% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;18 | &nbsp;&nbsp;567 | &nbsp;&nbsp;3.17% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;10 | &nbsp;&nbsp;204 | &nbsp;&nbsp;4.90% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;64 | &nbsp;&nbsp;1.56% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;27 | &nbsp;&nbsp;59 | &nbsp;&nbsp;45.76% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;136 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;7 | &nbsp;&nbsp;505 | &nbsp;&nbsp;1.39% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;365 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;2 | &nbsp;&nbsp;108 | &nbsp;&nbsp;1.85% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;8 | &nbsp;&nbsp;428 | &nbsp;&nbsp;1.87% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;0 | &nbsp;&nbsp;375 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;52 | &nbsp;&nbsp;563 | &nbsp;&nbsp;9.24% | &nbsp;&nbsp;568 |

---

18 \| P a g e

![](ex992001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;562 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;17 | &nbsp;&nbsp;201 | &nbsp;&nbsp;8.46% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;50 | &nbsp;&nbsp;557 | &nbsp;&nbsp;8.98% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;562 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;31 | &nbsp;&nbsp;558 | &nbsp;&nbsp;5.56% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;9 | &nbsp;&nbsp;74 | &nbsp;&nbsp;12.16% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;0 | &nbsp;&nbsp;47 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;563 | &nbsp;&nbsp;0.18% | &nbsp;&nbsp;568 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**700** | &nbsp;&nbsp;**15095** | &nbsp;&nbsp;**4.64%** | &nbsp;&nbsp;**568** |

---

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;563 | &nbsp;&nbsp;99.12% | &nbsp;&nbsp;$296434951.00 | &nbsp;&nbsp;98.49% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.88% | &nbsp;&nbsp;$4532250.00 | &nbsp;&nbsp;1.51% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**568** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$300967201.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;568 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$300967201.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**568** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$300967201.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;176 | &nbsp;&nbsp;30.99% | &nbsp;&nbsp;$66494334.00 | &nbsp;&nbsp;22.09% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;16 | &nbsp;&nbsp;2.82% | &nbsp;&nbsp;$6867895.00 | &nbsp;&nbsp;2.28% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;56 | &nbsp;&nbsp;9.86% | &nbsp;&nbsp;$30798696.00 | &nbsp;&nbsp;10.23% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;266 | &nbsp;&nbsp;46.83% | &nbsp;&nbsp;$156465581.00 | &nbsp;&nbsp;51.99% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;54 | &nbsp;&nbsp;9.51% | &nbsp;&nbsp;$40340695.00 | &nbsp;&nbsp;13.40% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**568** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$300967201.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.35% | &nbsp;&nbsp;$415000.00 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;561 | &nbsp;&nbsp;98.77% | &nbsp;&nbsp;$298089951.00 | &nbsp;&nbsp;99.04% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.88% | &nbsp;&nbsp;$2462250.00 | &nbsp;&nbsp;0.82% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**568** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$300967201.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;340 | &nbsp;&nbsp;59.86% | &nbsp;&nbsp;$171010948.00 | &nbsp;&nbsp;56.82% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;40 | &nbsp;&nbsp;7.04% | &nbsp;&nbsp;$14007865.00 | &nbsp;&nbsp;4.65% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.58% | &nbsp;&nbsp;$5582600.00 | &nbsp;&nbsp;1.85% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;101 | &nbsp;&nbsp;17.78% | &nbsp;&nbsp;$69668600.00 | &nbsp;&nbsp;23.15% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.06% | &nbsp;&nbsp;$1040420.00 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.06% | &nbsp;&nbsp;$2118688.00 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;39 | &nbsp;&nbsp;6.87% | &nbsp;&nbsp;$15438390.00 | &nbsp;&nbsp;5.13% |

---

19 \| P a g e

![](ex992001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.58% | &nbsp;&nbsp;$7262250.00 | &nbsp;&nbsp;2.41% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;13 | &nbsp;&nbsp;2.29% | &nbsp;&nbsp;$12421000.00 | &nbsp;&nbsp;4.13% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.88% | &nbsp;&nbsp;$2416440.00 | &nbsp;&nbsp;0.80% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**568** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$300967201.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;189 | &nbsp;&nbsp;33.27% | &nbsp;&nbsp;$150631879.00 | &nbsp;&nbsp;50.05% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;356 | &nbsp;&nbsp;62.68% | &nbsp;&nbsp;$133683052.00 | &nbsp;&nbsp;44.42% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;23 | &nbsp;&nbsp;4.05% | &nbsp;&nbsp;$16652270.00 | &nbsp;&nbsp;5.53% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**568** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$300967201.00** | &nbsp;&nbsp;**100.00%** |

---

20 \| P a g e

## Exhibit 99.2

**Exhibit 99.2**

 **Schedule 1 - Exception Grades Report**

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

![](ex99_001.jpg)

**Exception Grades**

**Run Date - 2/4/2026 8:45:12 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** |
| [Redact] | 9097943 | [Redact] | [Redact] | 33076891 |  | 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 (2025-04-18): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-04-16): (Rate Lock) ORIGINAL NOTE DELIVERED [Redacted] PER [Redacted] TRACKING [Redacted] | 04/18/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9097943 | [Redact] | [Redact] | 33281788 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  |  |  |  |  | Reviewer Comment (2025-04-23): CDA provided. Exception cleared.<br>Seller Comment (2025-04-22): (Rate Lock) CDA | 04/23/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9158613 | [Redact] | [Redact] | 33442510 |  | 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 (2025-06-10): Waived on Rate Lock: Collateral cleared by Custodian | 06/10/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9158613 | [Redact] | [Redact] | 33581963 |  | 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 Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 06/05/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9158613 | [Redact] | [Redact] | 33582025 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Cd was missing in the file |  |  |  | Reviewer Comment (2025-07-11): [Redacted]received [Redacted] CD, received 3 business days prior to consummation.<br>Seller Comment (2025-07-10): [Redacted] [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the 3 business days before the closing date of [Redacted] | 07/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| [Redact] | 9158613 | [Redact] | [Redact] | 33582029 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-05): Sufficient Cure Provided At Closing |  | 06/05/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9153173 | [Redact] |  | 33499288 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-06-04): RCE provided<br>Seller Comment (2025-06-03): This is a dispute letter from the insurance company. The carrier RC value supersedes the appraisal, as the appraisal includes land value. Per insurance financial services laws governed by [Redacted], it is illegal for a lender to require overinsurance of a property as land is never insured, only the structure that sits on the land, the structure is covered to full replacement cost calculation used by insurance carrier that takes into account material, labor, and architectural cost using the ISO format of coverage valuation.<br>Reviewer Comment (2025-05-30): Rebuttal reviewed; the guidelines allow [Redacted]% of the replacement cost value if the replacement cost value is grater than the loan amount. The replacement cost value identified on the appraisal is $[Redacted] and is less than the loan amount of $[Redacted]; therefore [Redacted]% of the replacement cost value is required in coverage. Condition is valid and remains open<br>Seller Comment (2025-05-30): Based on your calculation you are requiring a borrower to carry [Redacted]% of the appraisal cost of a new. This is inaccurate according to our guidelines, the borrower can carry a minimum [Redacted]% of the RC value of coverage as coverage. <br>Cost of new $[Redacted] \*[Redacted] = [Redacted] borrower insurance is $[Redacted]. The borrower is shown to be fully compliant with our insurance guidelines. | 06/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9153173 | [Redact] |  | 33506144 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a corrected copy of the HUD or settlement statement. The Loan Amount nor cash to the borrower is identified on the HUD in file. |  |  |  | Reviewer Comment (2025-06-03): HUD provided<br>Seller Comment (2025-06-02): Updated HUD uplaoded | 06/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9200260 | [Redact] | [Redact] | 33638571 |  | 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 (2025-07-21): Waived on Rate Lock: Collateral cleared by Custodian | 07/21/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9200260 | [Redact] | [Redact] | 33939439 |  | 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. |  |  |  |  |  |  | 07/16/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9200260 | [Redact] | [Redact] | 33939503 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception for Non - Arm length transaction- buyer and builder/seller are siblings. Approval in loan file with compensating factors: LTV, reserves, no sign of bailout like gift funds or NODS and purchasing at market value. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | [Redacted] LTV is [Redacted] below max ([Redacted]).<br>[Redacted] post-close reserves ([Redacted] months or 10x). | [Redact],Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,[Redact] | Reviewer Comment (2025-07-16): Client elect to waive with compensating factors:<br> [Redacted] LTV is [Redacted] below max ([Redacted]).<br> [Redacted] post-close reserves ([Redacted] months or 10x).<br> [Redacted]+ years property management experience. |  |  | 07/16/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9200260 | [Redact] | [Redact] | 33939518 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The file was missing a copy of the Business Purpose Certificate. |  |  |  | Reviewer Comment (2025-07-23): Received Business purpose certificate. Exception Cleared.<br>Seller Comment (2025-07-21): Bus. Pur | 07/23/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9197249 | [Redact] | [Redact] | 33656261 |  | 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 (2025-08-04): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-31): Tracking # [Redacted] | 08/04/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197249 | [Redact] | [Redact] | 34063355 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-07-31): Received E-Sign. Exception Cleared.<br>Seller Comment (2025-07-30): audit trail | 07/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197249 | [Redact] | [Redact] | 34063442 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | 1003 Final not provided |  |  |  | Reviewer Comment (2025-07-31): Received Final 1003. Exception Cleared.<br>Seller Comment (2025-07-30): final 1003 | 07/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197249 | [Redact] | [Redact] | 34063460 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval document is not provided |  |  |  | Reviewer Comment (2025-07-31): Received Conditional Approval document. Exception Cleared.<br>Seller Comment (2025-07-30): approval | 07/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197249 | [Redact] | [Redact] | 34063462 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | Loan Underwriting and Transmittal Summary (1008) / MCAW document is not provided |  |  |  | Reviewer Comment (2025-07-31): Received 1008. Exception Cleared.<br>Seller Comment (2025-07-30): 1008 | 07/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197249 | [Redact] | [Redact] | 34063464 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided |  | Title Preliminary document not provided |  |  |  | Reviewer Comment (2025-07-31): Received Commitment Title. Exception Cleared.<br>Seller Comment (2025-07-30): Title commitment | 07/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197249 | [Redact] | [Redact] | 34063476 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of the required fraud report including all interested parties to the transaction. |  |  |  | Reviewer Comment (2025-07-31): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-07-30): Drive report | 07/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197249 | [Redact] | [Redact] | 34063502 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2025-07-31): Received Commitment Title. Exception Cleared.<br>Seller Comment (2025-07-30): see uploaded title report from today | 07/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197249 | [Redact] | [Redact] | 34063546 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-07-28): Client elected to waive the condition |  |  | 07/28/2025 | 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 |
| [Redact] | 9197249 | [Redact] | [Redact] | 34063582 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. |  |  |  | Reviewer Comment (2025-07-31): Received VVOE document. Exception Cleared.<br>Seller Comment (2025-07-30): vvoe | 07/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197249 | [Redact] | [Redact] | 34063583 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. | Miscellaneous<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | - [Redacted]-years property management experience.<br>- DOD verification confirms active employment post-closing. | Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>Aggregator | Reviewer Comment (2025-08-20): The client elected to waive the condition with the following compensating factors:<br> - DOD verification confirms active employment post-closing. <br> - $[Redacted] other REO equity. <br> - [Redacted] - years property management experience.<br>Reviewer Comment (2025-08-04): As per guideline, Verbal VOE (dated within 10 days of the note date) must be completed prior to closing. Exception Remains.<br>Seller Comment (2025-08-01): vvoe<br>Reviewer Comment (2025-07-31): Verification of Employment must be completed within 10 days of closing. Exception Remains.<br>Seller Comment (2025-07-30): see uploaded vvoe from today |  |  | 08/20/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197249 | [Redact] | [Redact] | 34064279 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-07-31): Received Tax Cert. Exception Cleared.<br>Seller Comment (2025-07-30): taxes | 07/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9208107 | [Redact] | [Redact] | 33764757 |  | 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 (2025-08-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-07): Tracking # [Redacted] | 08/11/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | A |  | N/A | No |
| [Redact] | 9211091 | [Redact] | [Redact] | 33787718 |  | 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 (2025-07-17): Waived on Rate Lock: Collateral cleared by [Redacted] | 07/17/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9211091 | [Redact] | [Redact] | 33890804 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-10): [Redacted] Provided At Closing |  | 07/10/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9211091 | [Redact] | [Redact] | 33891088 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | [Redacted] Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [Redacted] form was used, the[Redacted] form should have been used. | [Redacted]: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [Redacted] Form was used, the [Redacted]form should have been used. |  |  |  | Reviewer Comment (2025-08-22): Letter of Explanation, Proof of Delivery, and Re-opened Rescission using the correct model form was provided<br>Seller Comment (2025-08-22): [Redacted]: Please see the attached remediation with proof of delivery //<br>Reviewer Comment (2025-08-05): The lender on the Note and the original lender of the prior mortgage is [Redacted]. This is a lender to lender refinance. [Redacted] was required to be used. [Redacted] is valid and remains open<br>Seller Comment (2025-08-01): Disagree the prior loan was with [Redacted] and the lender on this loan at closing was[Redacted]. |  | 08/22/2025 |  | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Non QM | Non QM | Yes |
| [Redact] | 9216865 | [Redact] | [Redact] | 34173242 |  | 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 (2025-09-15): Waived on Rate Lock: Collateral cleared by Custodian | 09/15/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9216859 | [Redact] | [Redact] | 34173248 |  | 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 (2025-09-16): Waived on Rate Lock: Collateral cleared by Custodian | 09/16/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9229952 | [Redact] | [Redact] | 33925243 |  | 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 (2025-08-07): Waived on Rate Lock: Collateral cleared by Custodian | 08/07/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9229952 | [Redact] | [Redact] | 34143147 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent Only). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-05): Sufficient Cure Provided At Closing |  | 08/05/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9229952 | [Redact] | [Redact] | 34147528 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Other not provided |  | The file is missing the Simple Interest Addendum to the Note. Note: the Simple Interest Rider to the Deed of Trust was in file. |  |  |  | Reviewer Comment (2025-08-07): Received addendum. Exception Cleared.<br>Seller Comment (2025-08-07): attached | 08/07/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9237475 | [Redact] | [Redact] | 33980035 |  | 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 (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian | 11/05/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9237475 | [Redact] | [Redact] | 34843838 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing documentation to verify the PITIA of $[Redacted] for the REO. |  |  |  | Reviewer Comment (2025-11-11): Documentation to verify the PITIA for the REO was provided<br>Seller Comment (2025-11-11): [Redacted] [Redacted]: Please see attached for HOI and HOA at the REO<br>Reviewer Comment (2025-11-06): Received Closing disclosure. Required tax certificate, hazard insurance & HOA certificate to verify $[Redacted]. Exception Remains.<br>Seller Comment (2025-11-05): [Redacted] [Redacted]: please see attached | 11/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9237475 | [Redact] | [Redact] | 34843852 |  | 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. |  |  |  |  |  |  | 11/03/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9237475 | [Redact] | [Redact] | 34888374 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing documentation to verify the PITIA of $[Redacted] for the REO. |  |  |  | Reviewer Comment (2025-11-11): Documentation to verify the PITIA for the REO was provided<br>Seller Comment (2025-11-11): [Redacted] [Redacted]: Please see attached<br>Reviewer Comment (2025-11-06): Required tax certificate, hazard insurance & HOA certificate to verify $[Redacted]. Exception Remains.<br>Seller Comment (2025-11-05): [Redacted] [Redacted]: please see attached | 11/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9239635 | [Redact] | [Redact] | 34023499 |  | 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 (2025-10-23): Waived on Rate Lock: Collateral cleared by Custodian | 10/23/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9239635 | [Redact] | [Redact] | 34752942 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted][Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or .[Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  | Reviewer Comment (2025-10-17): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/17/2025 | 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. C B A | Non QM | Non QM | Yes |
| [Redact] | 9239635 | [Redact] | [Redact] | 34752946 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted]compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]. |  |  |  | Reviewer Comment (2025-12-02): [Redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Seller Comment (2025-12-01): [Redacted] [Redacted] Please see attached Right to Cancel, Letter of Explanation, and [Redacted] label reflecting that the Right to Cancel period was reopened. Please see attached Letter of Explanation, Refund Check, Post-Closed Closing Disclosure, Proof of Delivery.<br>Reviewer Comment (2025-11-24): [Redacted] is unable to cure exception until courier website confirms delivery of remediation package.<br>Seller Comment (2025-11-24): [Redacted] [Redacted] Please see attached Right to Cancel, Letter of Explanation, and [Redacted] label reflecting that the Right to Cancel period was reopened. Please see attached Letter of Explanation, Refund Check, Post-Closed Closing Disclosure, Proof of Delivery. |  | 12/02/2025 |  | 2 C B |  | [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 (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [Redact] | 9239635 | [Redact] | [Redact] | 34752947 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted]0 compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted]0 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). (Final[Redacted]) |  |  |  | Reviewer Comment (2025-12-02): [Redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Seller Comment (2025-12-01): [Redacted] [Redacted] Please see attached Right to Cancel, Letter of Explanation, and [Redacted] label reflecting that the Right to Cancel period was reopened. Please see attached Letter of Explanation, Refund Check, Post-Closed Closing Disclosure, Proof of Delivery.<br>Reviewer Comment (2025-11-24): [Redacted] is unable to cure exception until courier website confirms delivery of remediation package.<br>Seller Comment (2025-11-24): [Redacted] [Redacted] Please see attached Right to Cancel, Letter of Explanation, and [Redacted] label reflecting that the Right to Cancel period was reopened. Please see attached Letter of Explanation, Refund Check, Post-Closed Closing Disclosure, Proof of Delivery. |  | 12/02/2025 |  | 2 C B |  | [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 (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [Redact] | 9239635 | [Redact] | [Redact] | 34752948 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-22): [Redacted] Received Valid COC dated [Redacted] along with CD.<br>Seller Comment (2025-10-21): [Redacted] [Redacted]: Please see attached COCs and corresponding disclosure. On [Redacted] the loan was relocked and [Redacted] the rate changed, affecting the LLPA, negative pricing disclosed on the [Redacted] and [Redacted] CDs | 10/22/2025 |  |  | 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 |
| [Redact] | 9242927 | [Redact] | [Redact] | 34099945 |  | 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 (2025-08-15): Waived on Rate Lock: Collateral cleared by Custodian | 08/15/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9242927 | [Redact] | [Redact] | 34182385 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 08/12/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9242927 | [Redact] | [Redact] | 34182435 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  | Reviewer Comment (2025-08-12): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/12/2025 | 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 |
| [Redact] | 9242927 | [Redact] | [Redact] | 34182440 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee was last disclosed to the borrower on the LE as $[Redacted] the final CD shows the fee as $[Redacted]. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted] a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-08-15): [Redacted] received valid Changed circumstance.<br>Seller Comment (2025-08-14): COC disclosed to [Redacted] | 08/15/2025 |  |  | 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 |
| [Redact] | 9243132 | [Redact] | [Redact] | 34114125 |  | 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 (2025-08-27): Waived on Rate Lock: Collateral cleared by Custodian | 08/27/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9243132 | [Redact] | [Redact] | 34264174 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/22/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9243132 | [Redact] | [Redact] | 34264176 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]0% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Reviewer Comment (2025-08-22): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/22/2025 | 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 |
| [Redact] | 9243132 | [Redact] | [Redact] | 34729388 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-15): Sufficient Cure Provided At Closing |  | 10/15/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9243514 | [Redact] | [Redact] | 34121797 |  | 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 (2025-09-24): Waived on Rate Lock: Collateral cleared by Custodian | 09/24/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9243514 | [Redact] | [Redact] | 34511916 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([Redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/22/2025 | 2 B |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9243514 | [Redact] | [Redact] | 34511918 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-19): Sufficient Cure Provided At Closing |  | 09/19/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9243514 | [Redact] | [Redact] | 34511919 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Abstract / Title Search. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Abstract / Title Search Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure dated [Redacted]. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-19): Sufficient Cure Provided At Closing |  | 09/19/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9243514 | [Redact] | [Redact] | 34521830 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Use k1 transcripts for [Redacted] in lieu of original K-1's. Borrower is less than [Redacted]% owner and loss is being accounted for in ratios. Client exception approval in file. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than [Redacted] years. | DTI [Redacted] is [Redacted] below program maximum ([Redacted]).<br>Job stability ([Redacted] years; [Redacted] profession). | [Redact],Originator Pre-Close,Aggregator<br>Aggregator,[Redact] | Reviewer Comment (2025-09-22): Client elect to waive with compensating factors:<br> Job stability ([Redacted] years; [Redacted] profession). <br> DTI [Redacted] is [Redacted] below program maximum ([Redacted]). |  |  | 09/22/2025 | 2 B |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9240517 | [Redact] |  | 34216886 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing the tax cert or other documentation to verify the taxes used to qualify. The lender qualified with taxes higher than the tax cert in file verified. |  |  |  | Reviewer Comment (2025-08-20): Received Tax Cert. Exception Cleared.<br>Seller Comment (2025-08-19): Hence $[Redacted] is used to qualify the loan<br>Seller Comment (2025-08-19): The tax used to calculate the [Redacted] is taken from the average of the average of the comparable properties uploaded. so here the average of the comparables is $[Redacted]<br>Reviewer Comment (2025-08-19): Required Tax certificate used to calculate the taxes included in the [Redacted] for subject property "[Redacted]". The provided document does not have subject property address. Exception Remains.<br>Seller Comment (2025-08-18): [Redacted] comparables has been uploaded | 08/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9247916 | [Redact] | [Redact] | 34161697 |  | 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 (2025-09-08): Waived on Rate Lock: Collateral cleared by Custodian | 09/08/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9247916 | [Redact] | [Redact] | 34342562 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-09-03): Client elected to waive the condition on the Non-QM 1st lien |  |  | 09/03/2025 | 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 |
| [Redact] | 9247916 | [Redact] | [Redact] | 34342574 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | There was no cure was provided to the borrower and the file did not contain a valid COC for the addition of the fee. |  |  |  | Reviewer Comment (2025-09-08): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-09-04): [Redacted] [Redacted]: A tolerance credit in the amount of $[Redacted] for the credit report fee was reflected on the final Closing Disclosure | 09/08/2025 |  |  | 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 |
| [Redact] | 9247916 | [Redact] | [Redact] | 34342575 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | There was no cure was provided to the borrower and the file did not contain a valid COC for the addition of the fee. |  |  |  | Reviewer Comment (2025-09-08): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-09-04): [Redacted] [Redacted]: A tolerance credit in the amount of $[Redacted] for the appraisal fee was reflected on the final Closing Disclosure | 09/08/2025 |  |  | 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 |
| [Redact] | 9247916 | [Redact] | [Redact] | 34841685 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided At Closing |  | 10/29/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9247916 | [Redact] | [Redact] | 34841686 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided At Closing |  | 10/29/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9248279 | [Redact] | [Redact] | 34164414 |  | 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 (2025-08-27): Waived on Rate Lock: Collateral cleared by Custodian | 08/27/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9248279 | [Redact] | [Redact] | 34278948 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-08-25): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/25/2025 | 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 |
| [Redact] | 9248279 | [Redact] | [Redact] | 34278952 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-25): Sufficient Cure Provided At Closing |  | 08/25/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9248279 | [Redact] | [Redact] | 34282056 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-11-03): Client elected to waive the condition<br>Reviewer Comment (2025-10-30): Elevated to the client for review. EV2/B condition due to the revised appraisal has been provided, but not at least three (3) business days prior to closing. Loan is considered HPML Compliant.<br>Seller Comment (2025-10-28): Revised appraisals simply due to clerical changes only with no change in value given at or prior to closing are considered HPML Compliant per [Redacted] outside counsel. Second appraisal was reviewed by borrower on [Redacted], prior to [Redacted] closing. Three days is not material here. please review and advise.<br>Reviewer Comment (2025-10-15): Additional documentation provided verifying the borrower's receipt of the preliminary appraisal and the revised appraisal. However, per the HPML requirements, if an appraisal is revised, regardless of whether the revision is clerical only or involves a change to the appraised value, that appraisal must also be provided at least three (3) business days prior to consummation (waiver is not permitted). The condition is valid and will remain open. Note: the condition is a non-material EV2/B graded condition.<br>Seller Comment (2025-10-14): Please see attached<br>Reviewer Comment (2025-08-27): The initial appraisal was not provided in the file to determine if there were any changes. As-is, condition is valid and remains open<br>Seller Comment (2025-08-26): [Redacted] [Redacted]: Redisclosure not required if there is no material change in valuation. |  |  | 11/03/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9248468 | [Redact] | [Redact] | 34165314 |  | 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 (2025-09-30): Waived on Rate Lock: Collateral cleared by Custodian | 09/30/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9248885 | [Redact] | [Redact] | 34174273 |  | 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 (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian | 11/05/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9248885 | [Redact] | [Redact] | 34854007 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report is missing in the file. |  |  |  | Reviewer Comment (2025-11-06): Received Fraud report. Exception Cleared.<br>Seller Comment (2025-11-05): [Redacted] [Redacted]: please see attached | 11/06/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9248885 | [Redact] | [Redact] | 34854016 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report is missing in the file. |  |  |  | Reviewer Comment (2025-11-06): Received Fraud report. Exception Cleared.<br>Seller Comment (2025-11-05): [Redacted] [Redacted]: please see attached | 11/06/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9248885 | [Redact] | [Redact] | 34854043 |  | 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. | ECOA Receipt of Appraisal Without Waiver |  |  |  |  |  |  | 11/03/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9248885 | [Redact] | [Redact] | 34854044 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Reviewer Comment (2025-11-03): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/03/2025 | 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. C B A | Non QM | Non QM | Yes |
| [Redact] | 9248885 | [Redact] | [Redact] | 34854047 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure Timing without Waiver |  |  |  | Reviewer Comment (2025-11-05): [Redacted] received [Redacted] CD received 3 business days prior to consummation.<br>Seller Comment (2025-11-04): [Redacted] [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the 3 business days before the closing date of [Redacted]. | 11/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| [Redact] | 9248885 | [Redact] | [Redact] | 34854048 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[Redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Lender credit was last disclosed as $[Redacted] on LE but disclosed as $[Redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-05): [Redacted] Received Valid COC dated [Redacted] along with supporting comments on the exception.<br>Seller Comment (2025-11-04): [Redacted] [Redacted] Assets and liabilities were updated by underwriting on [Redacted] which Increased the DTI to [Redacted]% from [Redacted]% ([Redacted]) which added a loan level pricing adjusters "Bank Statement [Redacted] - DTI > [Redacted]; CLTV <= [Redacted]%". A Loan Estimate went out the same day to the borrower. Please see the attached Lock Confirmation and Loan Estimate.<br>Seller Comment (2025-11-04): TF [Redacted] Assets and liabilities were updated by underwriting on [Redacted] which Increased the DTI to [Redacted]% from [Redacted]% ([Redacted]) which added a loan level pricing adjusters "Bank Statement [Redacted] - DTI > [Redacted]; CLTV <= [Redacted]%". A Loan Estimate went out the same day to the borrower. Please see the attached Lock Confirmation and Loan Estimate. | 11/05/2025 |  |  | 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 |
| [Redact] | 9248885 | [Redact] | [Redact] | 34854049 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-05): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-11-04): [Redacted] [Redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal 2 Fee. | 11/05/2025 |  |  | 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 |
| [Redact] | 9248885 | [Redact] | [Redact] | 34854635 |  | Credit | Guideline | Guideline Issue | Guideline | Per guidelines, the subject property cannot be greater than 20 acres. |  | The guidelines state rural properties must have a lot size and acreage that is typical for the area and similar to the surrounding properties. The subject property is in a rural neighborhood, with rural agricultural zoning, and sits on a [Redacted]acre lot. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [Redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Job stability: [Redacted] for [Redacted] years<br>Time in home<br>LTV of [Redacted] where [Redacted] is maximum | Aggregator,[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact] | Reviewer Comment (2025-11-03): Client elected to waive the condition with the following Compensating Factors:<br> LTV of [Redacted] where [Redacted] is maximum<br> Job stability: Painter for [Redacted] years<br> Time in home |  |  | 11/03/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9248885 | [Redact] | [Redact] | 34909973 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-05): Sufficient Cure Provided At Closing |  | 11/05/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9249180 | [Redact] | [Redact] | 34182081 |  | 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 (2025-09-09): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-09-06): Tracking # [Redacted] | 09/09/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9249180 | [Redact] | [Redact] | 34359224 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing documentation to verify the expenses for the [Redacted]. |  |  |  | Reviewer Comment (2025-09-07): Received insurance verification. Exception Cleared.<br>Seller Comment (2025-09-06): [Redacted] | 09/07/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9249180 | [Redact] | [Redact] | 34359228 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/05/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9249180 | [Redact] | [Redact] | 34359331 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted]on Final Closing Disclosure. File does not contain a valid [Redacted]for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted] , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the [Redacted]disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-29): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-10-28): [Redacted] docs<br>Reviewer Comment (2025-10-01): [Redacted] : The [Redacted] required for increase the fee on final [Redacted] without providing any valid [Redacted] is $[Redacted] . A valid [Redacted] or [Redacted] is required. [Redacted] requirements include [Redacted] , corrected [Redacted] , proof of mailing and copy of refund check.<br>Seller Comment (2025-09-29): Can you please let me know how much you think the [Redacted] to the [Redacted] would be?<br>Reviewer Comment (2025-09-19): [Redacted] received [Redacted] for rebuttal response indicates that buy down the rate. However, the rate has been changed on [Redacted] dated [Redacted] . But the discount point fee increased on Initial [Redacted] dated [Redacted] for which we do not have a valid [Redacted] to re-baseline this exception. Please provide information as to what changed circumstance occurred (as defined under [Redacted] that resulted in an increase in closing costs or [Redacted] would be due to [Redacted] .<br>Seller Comment (2025-09-17): Buydown of rate [Redacted] |  | 10/29/2025 |  | 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 |
| [Redact] | 9249180 | [Redact] | [Redact] | 34365146 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The [Redacted] exceeds the guideline max due to the lender did not include the [Redacted] of $[Redacted]for the [Redacted] residence in the [Redacted] calculations. |  |  |  | Reviewer Comment (2025-10-29): Received revised [Redacted] with updated income. Exception Cleared.<br>Seller Comment (2025-10-28): rebuttal | 10/29/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9249180 | [Redact] | [Redact] | 34365153 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([Redacted]: Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The [Redacted] exceeds the guideline max due to the lender did not include the [Redacted] of $[Redacted] for the [Redacted] residence in the [Redacted] calculations. |  |  |  | Reviewer Comment (2025-10-30): Revised docs cleared the [Redacted] condition<br>Seller Comment (2025-10-30): [Redacted] compliant loan<br>Seller Comment (2025-10-30): Please clear this is a [Redacted] condition | 10/30/2025 |  |  | 1 B A C |  | [Redact] | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [Redact] | 9249180 | [Redact] | [Redact] | 34365154 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The [Redacted] exceeds the guideline max due to the lender did not include the [Redacted] of $[Redacted] for the [Redacted] residence in the [Redacted]calculations. |  |  |  | Reviewer Comment (2025-10-30): Revised docs cleared the [Redacted] condition<br>Seller Comment (2025-10-30): Please waive. This is a [Redacted] condition<br>Seller Comment (2025-10-30): Please clear. This is a [Redacted] condition | 10/30/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9249180 | [Redact] | [Redact] | 34365155 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay [Redacted] The DTI calculated in accordance with the Lenders Guidelines and[Redacted]of [Redacted] % significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [Redacted].) | The [Redacted] exceeds the guideline max due to the lender did not include the [Redacted] of $[Redacted] for the [Redacted] residence in the [Redacted]calculations. |  |  |  | Reviewer Comment (2025-10-29): Received revised [Redacted] with updated income. Exception Cleared. | 10/29/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9251955 | [Redact] | [Redact] | 34197819 |  | 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 (2025-09-03): Waived on Rate Lock: Collateral cleared by Custodian | 09/03/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9251955 | [Redact] | [Redact] | 34279895 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-08-25): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/25/2025 | 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 |
| [Redact] | 9251955 | [Redact] | [Redact] | 34282201 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-11-03): Client elected to waive the condition<br>Reviewer Comment (2025-10-30): Elevated to the client for review. EV2/B condition due to the revised appraisal has been provided, but not at least three (3) business days prior to closing. Loan is considered HPML Compliant.<br>Seller Comment (2025-10-28): Please see Attestation letter and proof of delivery from the Borrower |  |  | 11/03/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9251955 | [Redact] | [Redact] | 34282202 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-11-03): Client elected to waive the condition<br>Reviewer Comment (2025-10-30): Elevated to the client for review. EV2/B condition due to the revised appraisal has been provided, but not at least three (3) business days prior to closing. Loan is considered HPML Compliant.<br>Seller Comment (2025-10-28): Please see Attestation letter and proof of delivery from the Borrower |  |  | 11/03/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9252091 | [Redact] | [Redact] | 34200659 |  | 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 (2025-09-24): Waived on Rate Lock: Collateral cleared by Custodian | 09/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9252091 | [Redact] | [Redact] | 34459010 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-15): Sufficient Cure Provided At Closing |  | 09/15/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9302648 | [Redact] | [Redact] | 34210290 |  | 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 (2025-10-07): Waived on Rate Lock: Collateral cleared by Custodian | 10/07/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9302648 | [Redact] | [Redact] | 34630590 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-10-14): [Redacted] received rate lock and comment in lieu of COC dated [Redacted].<br>Seller Comment (2025-10-13): [Redacted] [Redacted]: Please see attached Rate Lock sheets and corresponding disclosure. On [Redacted] the loan was relocked, affecting the LLPA, negative pricing disclosed on the [Redacted] CD | 10/14/2025 |  |  | 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 A | Non QM | Non QM | Yes |
| [Redact] | 9303614 | [Redact] | [Redact] | 34224838 |  | 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 (2025-10-06): Waived on Rate Lock: Collateral cleared by Custodian | 10/06/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9303614 | [Redact] | [Redact] | 34619604 |  | 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. |  |  |  |  |  |  | 10/02/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9303614 | [Redact] | [Redact] | 34620016 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Reviewer Comment (2025-10-02): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/02/2025 | 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. C B A | Non QM | Non QM | Yes |
| [Redact] | 9303614 | [Redact] | [Redact] | 34620019 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | The non-borrowing spouse executed the final CD and the NORTC on [Redacted], as a result, the borrowers were not given a full three day rescission. The expiration date of [Redacted] disclosed on the NORTC should have been [Redacted] based on the transaction date of [Redacted]. |  |  |  | Reviewer Comment (2025-12-01): Letter of Explanation, Proof of Delivery, and Re-open Rescission provided.<br>Seller Comment (2025-11-26): Please see the attached Letter of Explanation, Corrected Right to Cancel, Final Closing Disclosure, and proof of delivery.<br>Reviewer Comment (2025-11-14): The disbursement date is not the issue with this loan. The NORTC in file identified an expiration date of [Redacted] and the expected expiration date is [Redacted] based on the signature date by the co-borrower of [Redacted]. Rescission is required to be re-opened. Condition is valid and remains open<br>Seller Comment (2025-11-12): The Co-borrower signature date of [Redacted] would make the expiration date of the rescission midnight on [Redacted]. The Final Settlement Statement shows the loan did not disburse until [Redacted] meeting the rescission.<br>Reviewer Comment (2025-10-30): The condition is valid. The co-borrower did not execute the [Redacted] until [Redacted], therefore the expected expiration date is [Redacted] and the NORTC has an expiration date of [Redacted]. The full three day rescission was not given. Rescission is required to be re-opened. Provide a revised NORTC, letter of explanation to the borrower, and proof of delivery. Condition remains<br>Seller Comment (2025-10-28): [Redacted] [Redacted] Please see the attached final Settlement Statement showing that the disbursement date was after the rescission period expired. |  | 12/01/2025 |  | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| [Redact] | 9303614 | [Redact] | [Redact] | 34630363 |  | 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. |  |  |  |  |  |  | 10/02/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9304779 | [Redact] | [Redact] | 34236263 |  | 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 (2025-11-13): Waived on Rate Lock: Collateral cleared by Custodian | 11/13/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9307591 | [Redact] | [Redact] | 34263642 |  | 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 (2025-09-25): Waived on Rate Lock: Collateral cleared by Custodian | 09/25/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9307591 | [Redact] | [Redact] | 34520368 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Provide a copy of fraud report |  |  |  | Reviewer Comment (2025-09-25): Received Fraud Report. Exception Cleared. | 09/25/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9307591 | [Redact] | [Redact] | 34520411 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. |  |  |  |  | Reviewer Comment (2025-09-25): [Redacted] received initial LE dated [Redacted].<br>Seller Comment (2025-09-24): Initial LE | 09/25/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9307591 | [Redact] | [Redact] | 34520434 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. |  |  |  |  | Reviewer Comment (2025-09-25): [Redacted] received initial LE dated [Redacted].<br>Seller Comment (2025-09-24): Appraisal Receipt | 09/25/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9307591 | [Redact] | [Redact] | 34520435 |  | 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 (2025-09-25): Received K-1. Exception Cleared.<br>Seller Comment (2025-09-24): Please advise what is needed | 09/25/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| [Redact] | 9307591 | [Redact] | [Redact] | 34520438 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - K-1 Less 25% | Ability to Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than [Redacted]% Ownership) income using reasonably reliable third-party records. | Provide K-1 for the year [Redacted]. |  |  |  | Reviewer Comment (2025-09-25): Received K-1. Exception Cleared.<br>Seller Comment (2025-09-24): [Redacted] K1 | 09/25/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9307591 | [Redact] | [Redact] | 34520439 |  | 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 (2025-09-25): Received K-1. Exception Cleared. | 09/25/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9307591 | [Redact] | [Redact] | 34520445 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Provide K-1 for the year [Redacted]. |  |  |  | Reviewer Comment (2025-09-25): Received K-1. Exception Cleared.<br>Seller Comment (2025-09-25): K1<br>Reviewer Comment (2025-09-25): Required [Redacted] K-1 for '[Redacted]'. Exception Remains.<br>Seller Comment (2025-09-24): [Redacted] K1 | 09/25/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9307591 | [Redact] | [Redact] | 34520447 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Provide a copy of fraud report |  |  |  | Reviewer Comment (2025-09-25): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-09-24): Fraud Report | 09/25/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9307591 | [Redact] | [Redact] | 34520477 |  | 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. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2025-09-25): Received K-1. Exception Cleared.<br>Seller Comment (2025-09-25): Please advise what is needed for this one | 09/25/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9307591 | [Redact] | [Redact] | 34522266 |  | 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. |  |  |  |  |  |  | 09/22/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9307591 | [Redact] | [Redact] | 34524432 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]5. | Most recent years' tax returns not in file |  |  |  |  |  |  | 09/22/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9307591 | [Redact] | [Redact] | 34524433 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date[Redacted]. | Most recent years' tax returns not in file |  |  |  |  |  |  | 09/22/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9356617 | [Redact] | [Redact] | 34265064 |  | 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 (2025-09-17): Waived on Rate Lock: Collateral cleared by Custodian | 09/17/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9356617 | [Redact] | [Redact] | 34430187 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  | Reviewer Comment (2025-10-15): [Redacted] received evidence of seller paid discount points. Applied fee and TLA offset.<br>Seller Comment (2025-10-14): Disagree, the threshold is $[Redacted]. Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br> $[Redacted] - $[Redacted] = $[Redacted] / $[Redacted] = [Redacted]% %<br>Reviewer Comment (2025-09-19): The undiscounted rate and price were captured and none of the discount points are considered bona fide. The $[Redacted] seller credit was already captured to offset the points and fees and the Points and Fees of $[Redacted] exceeds the max allowable of $[Redacted] by $[Redacted]. Condition remains<br>Seller Comment (2025-09-16): [Redacted] [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. | 10/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9356617 | [Redact] | [Redact] | 34430188 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | Reviewer Comment (2025-10-15): [Redacted] received evidence of seller paid discount points. Applied fee and TLA offset.<br>Seller Comment (2025-10-14): Disagree, the threshold is $[Redacted]. Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br> $[Redacted] - $[Redacted] = $[Redacted] / $[Redacted] = [Redacted]% %<br>Reviewer Comment (2025-09-18): The undiscounted rate and price were captured and none of the discount points are considered bona fide. The $[Redacted] seller credit was already captured to offset the points and fees and the Points and Fees of $[Redacted] exceeds the max allowable of $[Redacted] by $[Redacted]. Condition remains<br>Seller Comment (2025-09-16): [Redacted] [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. | 10/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9356617 | [Redact] | [Redact] | 34430189 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [Redacted]% of the amount past due or grace period of less than [Redacted] days. |  |  |  |  | Reviewer Comment (2025-10-15): [Redacted] received evidence of seller paid discount points. Applied fee and TLA offset.<br>Seller Comment (2025-10-14): Disagree, the threshold is $[Redacted]. Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br> $[Redacted] - $[Redacted] = $[Redacted] / $[Redacted] = [Redacted]% %<br>Reviewer Comment (2025-09-18): The undiscounted rate and price were captured and none of the discount points are considered bona fide. The $[Redacted] seller credit was already captured to offset the points and fees and the Points and Fees of $[Redacted] exceeds the max allowable of $[Redacted] by $[Redacted]. Condition remains<br>Seller Comment (2025-09-16): [Redacted] [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. | 10/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9356617 | [Redact] | [Redact] | 34430190 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees of $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2025-10-15): [Redacted] received evidence of seller paid discount points. Applied fee and TLA offset.<br>Seller Comment (2025-10-14): Disagree, the threshold is $[Redacted]. Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br> $[Redacted] - $[Redacted] = $[Redacted] / $[Redacted] = [Redacted]% %<br>Reviewer Comment (2025-09-17): The undiscounted rate and price were captured and none of the discount points are considered bona fide. The $[Redacted] seller credit was already captured to offset the points and fees and the Points and Fees of $[Redacted] exceeds the max allowable of $[Redacted] by $[Redacted]. Condition remains<br>Seller Comment (2025-09-16): [Redacted] [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. | 10/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| [Redact] | 9356617 | [Redact] | [Redact] | 34430191 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Total fees financed by lender exceed permitted threshold. Pre-Loan Counseling status if not located in file. |  |  |  | Reviewer Comment (2025-10-15): [Redacted] received evidence of seller paid discount points. Applied fee and TLA offset.<br>Seller Comment (2025-10-14): Disagree, the threshold is $[Redacted]. Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br> $[Redacted] - $[Redacted] = $[Redacted] / $[Redacted] = [Redacted]% %<br>Reviewer Comment (2025-09-17): The undiscounted rate and price were captured and none of the discount points are considered bona fide. The $[Redacted] seller credit was already captured to offset the points and fees and the Points and Fees of $[Redacted] exceeds the max allowable of $[Redacted] by $[Redacted]. Condition remains<br>Seller Comment (2025-09-16): [Redacted] [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. | 10/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9356617 | [Redact] | [Redact] | 34430192 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-09-15): Client elected to waive the condition on the Non-QM 1st lien |  |  | 09/15/2025 | 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 |
| [Redact] | 9356617 | [Redact] | [Redact] | 34430197 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure:[Redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The [Redacted]nd appraisal fee wasn't disclosed to the borrower on the LE, however there was a lender credit to cover the cost to cure. |  |  |  | Reviewer Comment (2025-09-12): Sufficient Cure Provided At Closing |  | 09/12/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9357437 | [Redact] | [Redact] | 34271612 |  | 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 (2025-10-10): Waived on Rate Lock: Collateral cleared by Custodian | 10/10/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9357437 | [Redact] | [Redact] | 34668326 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | The co-borrower didn't sign the final CD until [Redacted], the disbursement date on the final CD is [Redacted] less than 3 business days. |  |  |  | Reviewer Comment (2025-10-30): Post-close CD and final settlement statement provided verifying an updated disbursement date.<br>Seller Comment (2025-10-28): [Redacted] [Redacted] Please see attached Letter of Explanation, Post-Closed Closing Disclosure, Proof of Delivery.<br>Reviewer Comment (2025-10-15): Final settlement statement provided verifying an updated disbursement date. However a post-close CD and letter of explanation sent to the borrower confirming the updated disbursement date is also required Condition remains<br>Seller Comment (2025-10-15): Please see the attached final Settlement Statement showing that the disbursement date was after the rescission period expired. | 10/30/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
| [Redact] | 9357437 | [Redact] | [Redact] | 34677891 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax Fee wasn't disclosed to the borrower on the LE but disclosed as $[Redacted] on Final Closing Disclosure. There was a lender credit to cover the cost to cure |  |  |  | Reviewer Comment (2025-10-08): Sufficient Cure Provided At Closing |  | 10/08/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9357437 | [Redact] | [Redact] | 34677904 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. There was a lender credit to cover the cost to cure |  |  |  | Reviewer Comment (2025-10-08): Sufficient Cure Provided At Closing |  | 10/08/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9357437 | [Redact] | [Redact] | 34677909 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Insurance Binder Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Insurance Binder Fee wasn't disclosed to the borrower on the LE but disclosed as $[Redacted] on Final Closing Disclosure. There was a lender credit to cover the cost to cure. |  |  |  | Reviewer Comment (2025-10-08): Sufficient Cure Provided At Closing |  | 10/08/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9357627 | [Redact] | [Redact] | 34272994 |  | 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 (2025-11-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-06): (Rate Lock) [Redacted] | 11/12/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9357627 | [Redact] | [Redact] | 34886603 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] |  |  |  | Reviewer Comment (2025-11-05): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/05/2025 | 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. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9357627 | [Redact] | [Redact] | 34915279 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-11-20): Received revised 1003 & 1008. Exception Cleared.<br>Seller Comment (2025-11-19): Removed the Rental Income, Attached the Updated 1008/1003. Please Clear. | 11/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9357627 | [Redact] | [Redact] | 34934730 |  | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. |  | Closing Date Does Not Agree with Schedule SCH: [Redacted] NOTE: [Redacted] |  |  |  | Buyer Comment (2025-11-12): Waived on Rate Lock: Collateral cleared by Custodian | 11/12/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9360721 | [Redact] | [Redact] | 34274340 |  | 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 (2025-10-23): Waived on Rate Lock: Collateral cleared by Custodian | 10/23/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9360721 | [Redact] | [Redact] | 34755001 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-17): Sufficient Cure Provided At Closing |  | 10/17/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9360720 | [Redact] | [Redact] | 34274343 |  | 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 (2025-09-16): Waived on Rate Lock: Collateral cleared by Custodian | 09/16/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9360720 | [Redact] | [Redact] | 34427884 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure dated [Redacted]. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-10-15): [Redacted] received COC dated [Redacted].<br>Seller Comment (2025-10-14): Change In Circumstances, Lock Confirmations, and Closing Disclosures.<br>Seller Comment (2025-10-14): [Redacted] [Redacted] On [Redacted] the loan was locked at [Redacted]% or $[Redacted] for a note rate of [Redacted]%. On [Redacted] there was a borrower requested Change in Circumstance to decrease the rate to [Redacted]% which increased the cost for the rate to [Redacted]% or $[Redacted]. A Closing Disclosure went out to the borrower on the same day. On [Redacted] there was another borrower requested Change in Circumstance to decrease the rate from [Redacted]% to [Redacted]%. This again increased the price for the rate as a lower rate was selected making the cost [Redacted]% or $[Redacted]. A Closing Disclosure went out to the borrower on the same day. On [Redacted] there was another borrower requested Change in Circumstance to waive they Underwriting fee which added a price adjustor to the rate causing the final price for the [Redacted]% rate to be [Redacted]% or $[Redacted]. A Closing Disclosure went out to the borrower on the same day. Please see the attached Change In Circusmtances, Lock Confirmations, and Closing Disclosures.<br>Reviewer Comment (2025-09-16): [Redacted] received rebuttal comment. However, please see doc ID D0419 CD dated [Redacted] with [Redacted]% interest rate and adjustment pricing rate from [Redacted]% to [Redacted]% of $[Redacted]. But the discount point fee increase of $[Redacted] with [Redacted]% and provided corresponding COC does not give sufficient information on why the UW waive fee adjustment added of [Redacted]%. Please provide information as to what changed circumstance occurred (as defined under [Redacted](e)(4)(A)-(F) that resulted in an increase in closing costs.<br>Seller Comment (2025-09-15): 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 2 Fee. | 10/15/2025 |  |  | 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 A | Non QM | Non QM | Yes |
| [Redact] | 9360720 | [Redact] | [Redact] | 34427885 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure dated [Redacted]. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-16): [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-09-15): [Redacted] [Redacted] A Rate change took place on [Redacted] taking the rate from [Redacted]% to [Redacted]% Due to this there was an adjustment to the pricing for the rate from [Redacted]% or $[Redacted] to [Redacted]% or $[Redacted]. A Closing disclosure went out to the borrower to redisclose the charge. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form. | 09/16/2025 |  |  | 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 A | Non QM | Non QM | Yes |
| [Redact] | 9360720 | [Redact] | [Redact] | 34730078 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-15): Sufficient Cure Provided At Closing |  | 10/15/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9362272 | [Redact] | [Redact] | 34282255 |  | 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 (2025-10-23): Waived on Rate Lock: Collateral cleared by Custodian | 10/23/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9362272 | [Redact] | [Redact] | 34755841 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-17): Sufficient Cure Provided At Closing |  | 10/17/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9362272 | [Redact] | [Redact] | 34755842 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-17): Sufficient Cure Provided At Closing |  | 10/17/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9363366 | [Redact] | [Redact] | 34302694 |  | 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 (2025-10-07): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-06): The collateral was delivered [Redacted] via [Redacted] trk#[Redacted]. | 10/07/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9363366 | [Redact] | [Redact] | 34641839 |  | 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 Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 10/03/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9365605 | [Redact] | [Redact] | 34313353 |  | 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 (2025-09-23): Waived on Rate Lock: Collateral cleared by Custodian | 09/23/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9365637 | [Redact] | [Redact] | 34314287 |  | 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 (2025-10-02): Waived on Rate Lock: Collateral cleared by Custodian | 10/02/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9365637 | [Redact] | [Redact] | 34582686 |  | 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 Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the title evidence in file. |  |  |  |  |  |  | 09/28/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9365637 | [Redact] | [Redact] | 34582695 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-14): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-10-13): Cure documents uploaded: PCCD, LOX, UPS label, copy of check. |  | 10/14/2025 |  | 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 |
| [Redact] | 9365637 | [Redact] | [Redact] | 34582696 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]$[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-02): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-10-01): Credit Report Fee was cured on final CD. Please see page 2, Section J. | 10/02/2025 |  |  | 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 |
| [Redact] | 9365639 | [Redact] | [Redact] | 34314311 |  | 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 (2025-10-15): Waived on Rate Lock: Collateral cleared by Custodian | 10/15/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9365639 | [Redact] | [Redact] | 34706588 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 10/13/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9365639 | [Redact] | [Redact] | 34706658 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted][Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Reviewer Comment (2025-10-13): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/13/2025 | 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 |
| [Redact] | 9365815 | [Redact] | [Redact] | 34680640 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted]or .[Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  | Reviewer Comment (2025-10-10): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/10/2025 | 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 |
| [Redact] | 9365815 | [Redact] | [Redact] | 34694296 |  | 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 (2025-10-20): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-13): Mailing label with tracking # | 10/20/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9365815 | [Redact] | [Redact] | 34702003 |  | Credit | Asset | Asset Eligibility | Asset | Guideline Issue: Seller concessions exceeds the amount allowed per credit guidelines |  | Per the guidelines, the max IPC's for an Investment property is [Redacted]%. The IPC's verified on the final closing statement were [Redacted][Redacted]%. The settlement statement disclosed a seller credit of $[Redacted] and a realtor credit of $[Redacted]. Both are considered IPC's and the amount exceeds the guideline max. |  |  |  | Reviewer Comment (2025-10-29): Sales price reduced by the excessive IPC's. Revised 1008 provided and updated LTV/CLTV meets the guideline requirements.<br>Seller Comment (2025-10-27): updated 1008<br>Seller Comment (2025-10-27): [Redacted] underwriter confirms with [Redacted] [Redacted] team a reduction in purchase price and updated 1008 will clear. Providing underwriter email and updated 1008. | 10/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9365856 | [Redact] | [Redact] | 34321261 |  | 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 (2025-10-15): Waived on Rate Lock: Collateral cleared by Custodian | 10/15/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9365856 | [Redact] | [Redact] | 34706487 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | The difference is due to the lender did not include the Title-Tax Cert fee in the prepaid finance charges. |  |  |  | Reviewer Comment (2025-11-05): [Redacted] received lender attestation on title-tax cert being a one time fee.<br>Seller Comment (2025-11-04): (Rate Lock) letter from title<br>Reviewer Comment (2025-10-30): My apologies, please re-upload the letter from title regarding the tax certificate fee.<br>Seller Comment (2025-10-29): (Rate Lock) 1<br>Reviewer Comment (2025-10-19): [Redacted] received rebuttal on finance charge calculation. It appears lender did not include the Title-Tax Certificate fee of $[Redacted] which would typically be a finance charge. If lender disagrees, please provide an Attestation from the title company or settlement agent giving the specific purpose of this fee and noting the fee as a one-time fee or a life of loan fee in order to determine if fee is a finance charge.<br>Seller Comment (2025-10-17): (Rate Lock) The title tax certificate fee is not an APR fee. Please cancel conditions. | 11/05/2025 |  |  | 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 (required on rescindable transactions) | Non QM | Non QM | Yes |
| [Redact] | 9365856 | [Redact] | [Redact] | 34706488 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the [Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 0[Redacted]). | The difference is due to the lender did not include the Title-Tax Cert fee in the prepaid finance charges. |  |  |  | Reviewer Comment (2025-11-05): [Redacted] received lender attestation on title-tax cert being a one time fee.<br>Seller Comment (2025-11-04): (Rate Lock) letter from title<br>Reviewer Comment (2025-10-30): My apologies, please re-upload the letter from title regarding the tax certificate fee.<br>Seller Comment (2025-10-29): (Rate Lock) 1<br>Seller Comment (2025-10-29): (Rate Lock) fail last upload<br>Seller Comment (2025-10-29): (Rate Lock) one time fee per title company<br>Reviewer Comment (2025-10-19): [Redacted] received rebuttal on finance charge calculation. It appears lender did not include the Title-Tax Certificate fee of $[Redacted] which would typically be a finance charge. If lender disagrees, please provide an Attestation from the title company or settlement agent giving the specific purpose of this fee and noting the fee as a one-time fee or a life of loan fee in order to determine if fee is a finance charge.<br>Seller Comment (2025-10-17): (Rate Lock) The title tax certificate fee is not an APR fee. Please cancel conditions. | 11/05/2025 |  |  | 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 (required on rescindable transactions) | Non QM | Non QM | Yes |
| [Redact] | 9367830 | [Redact] | [Redact] | 34322167 |  | 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 (2025-09-24): Waived on Rate Lock: Collateral cleared by Custodian | 09/24/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9367830 | [Redact] | [Redact] | 34498269 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[Redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Lender credit was last disclosed as $[Redacted] on LE but disclosed as [Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee. |  |  |  | Reviewer Comment (2025-10-20): [Redacted] Received Rate lock document along with supporting comments on the exception.<br>Seller Comment (2025-10-17): [Redacted] [Redacted] Disagree: There was a Loan amount change on [Redacted] that caused an adjustment to the LTV. Due to this, the price adjust for LTV changed from [Redacted]% to [Redacted]% making the final cost adjust as well. Final price went from -[Redacted]% or $-[Redacted] to [Redacted]% or $[Redacted]. Therefore eliminating the lender credit. | 10/20/2025 |  |  | 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 |
| [Redact] | 9367830 | [Redact] | [Redact] | 34498270 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Desk Review Fee wasn't disclosed on LE but disclosed as $[Redacted] on Final Closing Disclosure. however, there was a lender credit to cover the cost to cure |  |  |  | Reviewer Comment (2025-09-23): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-09-22): 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 2 Fee. | 09/23/2025 |  |  | 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 |
| [Redact] | 9367830 | [Redact] | [Redact] | 34498271 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. There was a lender credit to cover the cost to cure |  |  |  | Reviewer Comment (2025-09-23): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-09-22): 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. | 09/23/2025 |  |  | 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 |
| [Redact] | 9367830 | [Redact] | [Redact] | 34502226 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - 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 HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML. | There is evidence on the initial 1003 that the borrower intends on occupying the property as their primary residence. |  |  |  |  |  |  | 09/20/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9367830 | [Redact] | [Redact] | 34761196 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-20): Sufficient Cure Provided At Closing |  | 10/20/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9367830 | [Redact] | [Redact] | 34761197 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-20): Sufficient Cure Provided At Closing |  | 10/20/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9367829 | [Redact] | [Redact] | 34322168 |  | 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 (2025-09-24): Waived on Rate Lock: Collateral cleared by Custodian | 09/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9367829 | [Redact] | [Redact] | 34496816 |  | 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. |  |  |  |  |  |  | 09/20/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9367829 | [Redact] | [Redact] | 34496817 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-10-30): Proof of receipt of all valuations provided<br>Seller Comment (2025-10-28): [Redacted] [Redacted] Disagree - Our Contract states that [Redacted] will buy HPML as long as all the requirements were met as they were on this loan. Please see the attached document that shows the borrower received the Appraisal on [Redacted]. Revised appraisals simply due to clerical changes only with no change in value given at or prior to closing are considered HPML Compliant | 10/30/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9367829 | [Redact] | [Redact] | 34496818 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of 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. |  |  |  | Reviewer Comment (2025-10-30): Proof of receipt of all valuations provided<br>Reviewer Comment (2025-10-30): Required receipt of appraisal report date [Redacted] to clear this condition. Exception Remains.<br>Seller Comment (2025-10-28): Disagree - Our Contract states that [Redacted] will buy HPML as long as all the requirements were met as they were on this loan. Please see the attached document that shows the borrower received the Appraisal on [Redacted]. Revised appraisals simply due to clerical changes only with no change in value given at or prior to closing are considered HPML Compliant | 10/30/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9367829 | [Redact] | [Redact] | 34496822 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-18): Sufficient Cure Provided At Closing |  | 09/18/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9369764 | [Redact] | [Redact] | 34325669 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9369929 | [Redact] | [Redact] | 34331141 |  | 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 (2025-09-30): Waived on Rate Lock: Collateral cleared by Custodian | 09/30/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9370937 | [Redact] | [Redact] | 34342725 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-03): Tracking ID:<br> [Redacted] - Mailing label attached - you received these docs on [Redacted] | 11/04/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9371240 | [Redact] | [Redact] | 34343823 |  | 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 (2025-10-15): Waived on Rate Lock: Collateral cleared by Custodian | 10/15/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9371240 | [Redact] | [Redact] | 34709165 |  | 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. |  |  |  |  |  |  | 10/13/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9371240 | [Redact] | [Redact] | 34709166 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-10-13): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/13/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9371240 | [Redact] | [Redact] | 34765768 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for [Redacted] Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-20): Sufficient Cure Provided At Closing |  | 10/20/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9371244 | [Redact] | [Redact] | 34343826 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian | 11/26/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9371244 | [Redact] | [Redact] | 35013506 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or .[Redacted]7%). | Fannie Mae Points and Fees exceed allowable threshold by $[Redacted] or [Redacted]% |  |  |  | Reviewer Comment (2025-11-19): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/19/2025 | 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 |
| [Redact] | 9371543 | [Redact] | [Redact] | 34344956 |  | 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 (2025-10-06): Waived on Rate Lock: Collateral cleared by Custodian | 10/06/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9371543 | [Redact] | [Redact] | 34600976 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted][Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted] of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%).a |  |  |  | Reviewer Comment (2025-10-01): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/01/2025 | 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 |
| [Redact] | 9371543 | [Redact] | [Redact] | 34601184 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Origination Fee not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-13): [Redacted] Received Valid COC dated [Redacted].<br>Seller Comment (2025-10-09): [Redacted] [Redacted]: Please see attached Change of Circumstance form and corresponding disclosure, borrower requested COC change to the compensation plan in order to reduce the discount points being charged | 10/13/2025 |  |  | 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 |
| [Redact] | 9377566 | [Redact] | [Redact] | 34349858 |  | 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 (2025-10-06): Waived on Rate Lock: Collateral cleared by Custodian | 10/06/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9377571 | [Redact] | [Redact] | 34350204 |  | 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 (2025-10-27): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-24): (Rate Lock) [Redacted] | 10/27/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9377571 | [Redact] | [Redact] | 34777979 |  | 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. |  |  |  |  |  |  | 10/23/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9377571 | [Redact] | [Redact] | 34777980 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  | Reviewer Comment (2025-10-23): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/23/2025 | 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 |
| [Redact] | 9377801 | [Redact] | [Redact] | 34350690 |  | 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 (2025-11-03): Waived on Rate Lock: Collateral cleared by Custodian | 11/03/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9377801 | [Redact] | [Redact] | 34809180 |  | 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. |  |  |  |  |  |  | 10/30/2025 | 2 B |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9377876 | [Redact] | [Redact] | 34351435 |  | 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 (2025-09-29): Waived on Rate Lock: Collateral cleared by Custodian | 09/29/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9377876 | [Redact] | [Redact] | 34551245 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure dated [Redacted]. There was a lender credit to cover the cost to cure. |  |  |  | Reviewer Comment (2025-09-25): Sufficient Cure Provided At Closing |  | 09/25/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9377876 | [Redact] | [Redact] | 34551247 |  | 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. | Per the disclosure summary provided there was several CDs sent to the borrower prior to the final CD for closing. Please provide a copy of all of the CDs provided to the borrower. |  |  |  | Reviewer Comment (2025-09-29): [Redacted] received [Redacted] CD received 3 business days prior to consummation.<br>Seller Comment (2025-09-26): [Redacted] [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the 3 business days before the closing date of [Redacted]. | 09/29/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| [Redact] | 9377876 | [Redact] | [Redact] | 34551931 |  | 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. |  |  |  |  |  |  | 09/25/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9377875 | [Redact] | [Redact] | 34351437 |  | 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 (2025-10-14): Waived on Rate Lock: Collateral cleared by Custodian | 10/14/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9377875 | [Redact] | [Redact] | 34693508 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted]Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-09): Sufficient Cure Provided At Closing |  | 10/09/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9377875 | [Redact] | [Redact] | 34693509 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-09): Sufficient Cure Provided At Closing |  | 10/09/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9386008 | [Redact] | [Redact] | 34353567 |  | 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 (2025-10-15): Waived on Rate Lock: Collateral cleared by Custodian | 10/15/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9386008 | [Redact] | [Redact] | 34710374 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted] or [Redacted]%). | Fannie Mae Points and Fees exceed allowable threshold by $[Redacted] or [Redacted]% |  |  |  | Reviewer Comment (2025-10-13): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/13/2025 | 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. C B A | Non QM | Non QM | Yes |
| [Redact] | 9386008 | [Redact] | [Redact] | 34712807 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Structural Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Structural Inspection Fee (Engineering Fee) was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-06): [Redacted] received Post CD and LOX.<br>Seller Comment (2025-11-05): Please see attached Letter of Explanation, Post-Closed Closing Disclosure, Proof of Delivery.<br>Reviewer Comment (2025-10-30): [Redacted] received rebuttal. If fee was not required, it should be listed in section H instead of section C. Corrected CD and LOE required to remediate.<br>Seller Comment (2025-10-29): Disagree - since this is not a manufactured home the Structural Inspection Fee (Engineering Fee) is not a required fee and not subject to tolerance. | 11/06/2025 |  |  | 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 |
| [Redact] | 9386011 | [Redact] | [Redact] | 34353568 |  | 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 (2025-09-25): Waived on Rate Lock: Collateral cleared by Custodian | 09/25/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9386011 | [Redact] | [Redact] | 34529070 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). |  | The file is missing ULI |  |  |  | Reviewer Comment (2025-11-03): ULI provided<br>Seller Comment (2025-10-30): [Redacted] [Redacted] Please see attached ULI number. | 11/03/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9387708 | [Redact] | [Redact] | 34358198 |  | 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 (2025-10-20): Waived on Rate Lock: Collateral cleared by Custodian | 10/20/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | D A | Non QM | Non QM | No |
| [Redact] | 9387708 | [Redact] | [Redact] | 34713627 |  | 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. |  |  |  | Reviewer Comment (2025-10-20): Received Appraisal Report. Exception Cleared.<br>Seller Comment (2025-10-16): Appraisal and UCDP-SSRs | 10/20/2025 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D A | Non QM | Non QM | No |
| [Redact] | 9387708 | [Redact] | [Redact] | 34713651 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The file is missing a copy of the Appraisal. Note: the UCDP submissions were not provided either to identify the CU Score. If the CU score is > [Redacted], new conditions will be set for the missing secondary valuation. |  |  |  | Reviewer Comment (2025-10-20): Received Appraisal Report. Exception Cleared.<br>Seller Comment (2025-10-16): Appraisal and UCDP-SSRs | 10/20/2025 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D A | Non QM | Non QM | No |
| [Redact] | 9388077 | [Redact] | [Redact] | 34359440 |  | 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 (2025-10-08): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-01): see attached final hud<br>Seller Comment (2025-10-01): see attached collateral package and proof sent to custodian | 10/08/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9388077 | [Redact] | [Redact] | 34639152 |  | 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. |  |  |  |  | Reviewer Comment (2025-10-09): Received Right to Receive Copy of Appraisal. Exception Cleared.<br>Seller Comment (2025-10-07): See attached - Proof of delivery and disclosure | 10/09/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9388077 | [Redact] | [Redact] | 34639153 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted]50 or .[Redacted]%). |  |  |  | Reviewer Comment (2025-10-06): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/06/2025 | 2 B |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | 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 |
| [Redact] | 9388183 | [Redact] | [Redact] | 34360451 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian | 11/26/2025 |  |  | 1 A |  | [Redact] | Second Home | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9388183 | [Redact] | [Redact] | 35024448 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-11-24): RCE received<br>Seller Comment (2025-11-21): [Redacted] [Redacted]: See attached RCE | 11/24/2025 |  |  | 1 C A |  | [Redact] | Second Home | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9388183 | [Redact] | [Redact] | 35024453 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted]8 (an overage of $[Redacted]or .[Redacted]%). | Fannie Mae Points and Fees exceed allowable threshold by $[Redacted] or [Redacted]%. |  |  |  | Reviewer Comment (2025-11-20): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/20/2025 | 2 B |  | [Redact] | Second Home | 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 |
| [Redact] | 9388183 | [Redact] | [Redact] | 35024455 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-20): Sufficient Cure Provided At Closing |  | 11/20/2025 |  | 1 A |  | [Redact] | Second Home | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9388216 | [Redact] | [Redact] | 34362922 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [Redact] | 9388216 | [Redact] | [Redact] | 34838371 |  | 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. |  |  |  |  |  |  | 10/31/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [Redact] | 9389688 | [Redact] | [Redact] | 34369387 |  | 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 (2025-10-06): Waived on Rate Lock: Collateral cleared by Custodian | 10/06/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 9389688 | [Redact] | [Redact] | 34615364 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | The lender on the Note is not the same as the original lender on the loan being paid off. The incorrect Notice of Right to Cancel form was used. The H-9 form was used, the H-8 form should have been used. |  |  |  | Reviewer Comment (2025-10-30): Rescission was re-opened using the correct form. Revised NORTC, proof of delivery, and LOE provided.<br>Seller Comment (2025-10-28): [Redacted] [Redacted] Please see attached Right to Cancel, Letter of Explanation, and Fed Ex label reflecting that the Right to Cancel period was reopened |  | 10/30/2025 |  | 2 C B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| [Redact] | 9389696 | [Redact] | [Redact] | 34369605 |  | 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 (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian | 11/05/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9389740 | [Redact] | [Redact] | 34369799 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-06): (Rate Lock) [Redacted] | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9389740 | [Redact] | [Redact] | 34795116 |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. |  | Issue Date: [Redacted]; Received Date: [Redacted]; Signed Date:[Redacted] |  |  |  | Reviewer Comment (2025-11-07): Final CD provided<br>Seller Comment (2025-11-06): (Rate Lock) Final CD | 11/07/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9447577 | [Redact] | [Redact] | 34376358 |  | 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 (2025-10-23): Waived on Rate Lock: Collateral cleared by [Redacted] | 10/23/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9447580 | [Redact] | [Redact] | 34376788 |  | 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 (2025-10-10): Waived on Rate Lock: Collateral cleared by [Redacted] | 10/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9447580 | [Redact] | [Redact] | 34675720 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Missing fraud report. [Redacted]<br> is a party to the loan and fraud report is required for all parties. |  |  |  | Reviewer Comment (2025-10-22): Revised Fraud Report including the authorized signor as a participant was provided.<br>Seller Comment (2025-10-20): [Redacted] is listed on the fraud report participant list as "Trustee [Redacted]". Please clear.<br>Reviewer Comment (2025-10-20): Fraud report provided was not run on the authorized signor, [Redacted] Condition remains open<br>Seller Comment (2025-10-16): Attached<br>Reviewer Comment (2025-10-13): Additional copy of the fraud report provided. The fraud report only included the [Redacted]and not the authorized signor, [Redacted] Provide a copy of the fraud report for the authorized signor. Condition remains<br>Seller Comment (2025-10-10): Attached | 10/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9447586 | [Redact] | [Redact] | 34376924 |  | 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 (2025-10-23): Waived on Rate Lock: Collateral cleared by [Redacted] | 10/23/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9447586 | [Redact] | [Redact] | 34690498 |  | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding non-arm's length investment property transactions. |  | [Redacted]<br> transaction on investment property. There is an exception approval form in file for this exception, however, the bottom is incomplete. Please provide the completed form. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | \*\*Job stability (B1; [Redacted] years).<br>\*\*DTI [Redacted] is [Redacted] below program maximum ([Redacted]). | [Redact]<br>[Redact]<br>Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact] | Reviewer Comment (2025-10-24): Client elected to waive the condition with the following Compensating Factors:<br> \*\*Credit depth including mortgage history [Redacted]+ years and experience managing multiple investment properties. <br> \*\*DTI [Redacted]is [Redacted]below program maximum ([Redacted]). <br> \*\*Job stability ([Redacted]; [Redacted]years).<br>Seller Comment (2025-10-24): Please review reconsideration calculation for the file bringing DTI to under [Redacted]%.<br>Reviewer Comment (2025-10-23): Fully executed lender exception approval provided; however the tolerances required on the approval identified a max DTI of [Redacted]% and the calculated DTI is [Redacted]%. The condition cannot be waived as all of the exception approval requirements were not met. Condition remains<br>Seller Comment (2025-10-21): Attached<br>Reviewer Comment (2025-10-15): The file is missing a copy of the fully executed Exception approval from the client. The form included in the initial file was not complete. Condition is valid and remains open<br>Seller Comment (2025-10-15): This has been approved through [Redacted] |  |  | 10/24/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9447901 | [Redact] | [Redact] | 34379363 |  | 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 (2025-10-20): Waived on Rate Lock: Collateral cleared by [Redacted] | 10/20/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9447901 | [Redact] | [Redact] | 34725437 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ([Redacted]: Borrower waived right to receive a copy of the appraisal at least[Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to [Redacted]<br> was not provided. |  |  |  |  |  |  | 10/14/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9447901 | [Redact] | [Redact] | 34725438 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule ([Redacted] Borrower provided appraisal waiver less than[Redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-10-29): Client has elected to waive the condition<br>Reviewer Comment (2025-10-20): The condition is valid and the loan being a [Redacted] loan does not exclude it from the testing. The waiver to receive the appraisal less than [Redacted] business days prior to close was executed less than[Redacted] business days prior to consummation. The waiver is required to be provided greater than [Redacted] business days from consummation.<br>Seller Comment (2025-10-16): Please clear/waive condition since this is a [Redacted] |  |  | 10/29/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9498131 | [Redact] | [Redact] | 34394007 |  | 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 (2025-10-29): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-10-27): [Redacted]Tracking #[Redacted]for note<br>Seller Comment (2025-10-23): [Redacted]Tracking for Note Attached - Note delivered [Redacted] | 10/29/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9498131 | [Redact] | [Redact] | 34760077 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | [Redacted] coverage is insufficient by $[Redacted] . Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-10-27): Received replacement cost estimator. Exception Cleared.<br>Seller Comment (2025-10-23): Please see email attached confirming [Redacted]% replacement. | 10/27/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9498153 | [Redact] | [Redact] | 34394535 |  | 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 (2025-11-20): Waived on Rate Lock: Collateral cleared by Custodian | 11/20/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | A |  | N/A | No |
| [Redact] | 9498166 | [Redact] | [Redact] | 34395881 |  | 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 (2025-11-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-10): (Rate Lock) ORIGINAL COLLATERAL SENT [Redacted] VIA [Redacted] [Redacted] | 11/11/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9498490 | [Redact] | [Redact] | 34396000 |  | 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 (2025-10-15): Waived on Rate Lock: Collateral cleared by Custodian | 10/15/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9498490 | [Redact] | [Redact] | 34715217 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. If the prelim does not state a coverage amount. |  |  |  |  |  |  | 10/13/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9498495 | [Redact] | [Redact] | 34396005 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9498495 | [Redact] | [Redact] | 34807984 |  | 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 Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted],[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 10/30/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9498495 | [Redact] | [Redact] | 34807996 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-11-03): [Redacted] received CD dated [Redacted]<br>Seller Comment (2025-10-31): [Redacted] [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the 3 business days before the closing date of [Redacted]. | 11/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| [Redact] | 9498498 | [Redact] | [Redact] | 34396187 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9498507 | [Redact] | [Redact] | 34396382 |  | 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 (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian<br>Buyer Comment (2025-11-04): (Rate Lock) [Redacted], delivered [Redacted] | 11/05/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9498556 | [Redact] | [Redact] | 34911386 |  | 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" is missing in the file. |  |  |  | Reviewer Comment (2025-11-14): Received Right To Receive Appraisal Disclosure. Exception Cleared.<br>Seller Comment (2025-11-12): D0212 is the Right to Receive Copy of Appraisal Disclosure. | 11/14/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9498556 | [Redact] | [Redact] | 34919980 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9500476 | [Redact] | [Redact] | 34403620 |  | 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 (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian | 11/06/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9500476 | [Redact] | [Redact] | 34870269 |  | 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 Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted]based on the Commitment in file. |  |  |  |  |  |  | 11/04/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9500476 | [Redact] | [Redact] | 34870292 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test - Regular Transaction | TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at least [Redacted] days prior to closing dated [Redacted] disclosed an inaccurate APR of [Redacted]% compared to the actual APR at consummation of [Redacted]% and a revised CD disclosing an accurate APR was not received by borrower at least three [Redacted] business days prior to consummation. | [Redacted](f)(1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction at least three [Redacted]specific/precise business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under [Redacted], revised disclosures with an accurate APR must be disclosed and a new [Redacted]-day waiting period prior to consummation provided. The APR on the most recent CD received [Redacted]days prior to consummation ([Redacted]%) changed more than the [Redacted]% threshold compared to the actual/calculated APR at consummation ([Redacted]%) and a revised disclosure with accurate APR was not received by the consumer at least [Redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-11-06): [Redacted] received CDs.<br>Seller Comment (2025-11-05): see attached. It appears multiple initial cds issued were not uploaded with the file. | 11/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| [Redact] | 9500476 | [Redact] | [Redact] | 34870293 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [Redacted]contains a change in APR and a complete Closing Disclosure was not received by borrower at least three [Redacted] business days prior to consummation | Final CD dated [Redacted] provided date before closing [Redacted]. |  |  |  | Reviewer Comment (2025-11-06): [Redacted] received CDs.<br>Seller Comment (2025-11-05): Initial cds uploaded. | 11/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| [Redact] | 9500476 | [Redact] | [Redact] | 34870295 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $[Redacted] on CD dated [Redacted] but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-06): [Redacted] received VCC.<br>Seller Comment (2025-11-05): please see initial cd issued [Redacted] | 11/06/2025 |  |  | 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 | Non QM | Non QM | Yes |
| [Redact] | 9500476 | [Redact] | [Redact] | 34886244 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-06): [Redacted] received VCC. | 11/06/2025 |  |  | 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 | Non QM | Non QM | Yes |
| [Redact] | 9500476 | [Redact] | [Redact] | 34886245 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-06): [Redacted] received VCC.<br>Seller Comment (2025-11-05): see attached | 11/06/2025 |  |  | 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 | Non QM | Non QM | Yes |
| [Redact] | 9500671 | [Redact] | [Redact] | 34404308 |  | 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 (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian | 11/06/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9500671 | [Redact] | [Redact] | 34886492 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-07): [Redacted] received valid rebuttal comment and supporting rate lock document.<br>Seller Comment (2025-11-05): [Redacted] [Redacted] On [Redacted] there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Final Cost to the Borrower of [Redacted]% or $[Redacted]. Please see attached lock confirmation and Closing Disclosure. | 11/07/2025 |  |  | 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 A | Non QM | Non QM | Yes |
| [Redact] | 9500675 | [Redact] | [Redact] | 34404586 |  | 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 (2025-10-20): Waived on Rate Lock: Collateral cleared by Custodian | 10/20/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9500981 | [Redact] | [Redact] | 34404869 |  | 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 (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian | 11/05/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9500981 | [Redact] | [Redact] | 34855930 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-30): Sufficient Cure Provided At Closing |  | 10/30/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9501390 | [Redact] | [Redact] | 34414402 |  | 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 (2025-10-02): Waived on Rate Lock: Collateral cleared by Custodian | 10/02/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9501390 | [Redact] | [Redact] | 34595934 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  |  |  |  |  | Reviewer Comment (2025-10-06): Received transcript. Exception Cleared.<br>Seller Comment (2025-10-02): transcripts | 10/06/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9501390 | [Redact] | [Redact] | 34596387 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Review Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-30): Sufficient Cure Provided At Closing |  | 09/30/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9501390 | [Redact] | [Redact] | 34597979 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - 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 HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML. | The borrower selected "yes" they will occupy the property as their primary residence in the declarations section of the initial 1003. |  |  |  |  |  |  | 09/30/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9501390 | [Redact] | [Redact] | 34601769 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | The declarations section of the initial and final 1003's identified the borrowers would occupy the subject as a primary residence. Provide a revised 1003 correcting the declarations section. |  |  |  | Reviewer Comment (2025-10-06): Revised 1003 provided<br>Seller Comment (2025-10-02): 1003 | 10/06/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9501829 | [Redact] | [Redact] | 34416232 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9501877 | [Redact] | [Redact] | 34421876 |  | 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 (2025-10-22): Waived on Rate Lock: Collateral cleared by [Redacted] | 10/22/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9501890 | [Redact] | [Redact] | 34425043 |  | 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 (2025-10-24): Waived on Rate Lock: Collateral cleared by Custodian | 10/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9501890 | [Redact] | [Redact] | 34722583 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure:[Redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $[Redacted]on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $[Redacted]. |  |  |  | Reviewer Comment (2025-10-14): Sufficient Cure Provided At Closing |  | 10/14/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9501891 | [Redact] | [Redact] | 34425048 |  | 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 (2025-10-24): Waived on Rate Lock: Collateral cleared by Custodian | 10/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9501891 | [Redact] | [Redact] | 34767836 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-10-23): [Redacted] received [Redacted] CD received 3 business days prior to consummation.<br>Seller Comment (2025-10-23): [Redacted] [Redacted] Please see the attached Closing Disclosure and TRID worksheet with proof that both borrowers were sent an Initial Closing Disclosure on [Redacted] and the mailbox rule was applied. This meets the 7 business days before the closing date of [Redacted]<br>Seller Comment (2025-10-23): [Redacted] [Redacted] Please see the attached Closing Disclosure and TRID worksheet with proof that both borrowers were sent an Initial Closing Disclosure on [Redacted] and the mailbox rule was applied. This meets the [Redacted] business days before the closing date of [Redacted] | 10/23/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| [Redact] | 9502465 | [Redact] | [Redact] | 34429780 |  | 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 (2025-10-28): Waived on Rate Lock: Collateral cleared by [Redacted] | 10/28/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9502465 | [Redact] | [Redact] | 34739208 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The lender qualified with total expenses of $[Redacted] for the primary residence of one of the [Redacted] '; however the documentation in file only verified expenses of $[Redacted] . Provide documentation to verify the breakdown of the $[Redacted] expenses or documentation to support the additional $[Redacted] in expenses. |  |  |  | Reviewer Comment (2025-10-23): Received revised [Redacted]. Exception Cleared.<br>Seller Comment (2025-10-22): Corrected [Redacted]correct amt<br>Reviewer Comment (2025-10-20): As per final [Redacted], total expenses verified $[Redacted]. Taxes-$[Redacted], HOI-$[Redacted]and HOA $[Redacted]. Required documentation to support the additional $[Redacted]in expenses. Exception Remains.<br>Seller Comment (2025-10-17): Insurance and taxes for [Redacted] | 10/23/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9502465 | [Redact] | [Redact] | 34739231 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax. Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid [Redacted]for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-10-16): [Redacted] Provided At Closing |  | 10/16/2025 |  | 1 A |  | [Redact] | Investment | Purchase | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9502465 | [Redact] | [Redact] | 34776942 |  | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. |  | Mortgagor Name(s) does not agree with Schedule [Redacted]:[Redacted] :ALL DOCS:[Redacted] |  |  |  | Buyer Comment (2025-10-28): Waived on Rate Lock: Collateral cleared by [Redacted] | 10/28/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9502478 | [Redact] | [Redact] | 34430954 |  | 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 (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian<br>Buyer Comment (2025-11-04): (Rate Lock) [Redacted] delivered [Redacted] | 11/05/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9502480 | [Redact] | [Redact] | 34431228 |  | 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 (2025-11-20): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-11-17): Collateral delivered on [Redacted] via [Redacted]tracking number [Redacted] | 11/20/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9502520 | [Redact] | [Redact] | 34443508 |  | 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 (2025-10-29): Waived on Rate Lock: Collateral cleared by Custodian | 10/29/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9502520 | [Redact] | [Redact] | 34787538 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-10-24): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/24/2025 | 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 |
| [Redact] | 9502516 | [Redact] | [Redact] | 34443603 |  | 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 (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian | 11/05/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redact] | 9502516 | [Redact] | [Redact] | 34847892 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided At Closing |  | 10/29/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9502525 | [Redact] | [Redact] | 34444041 |  | 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 (2025-10-13): Waived on Rate Lock: Collateral cleared by Custodian | 10/13/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9502703 | [Redact] | [Redact] | 34444137 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | A |  | N/A | No |
| [Redact] | 9503116 | [Redact] | [Redact] | 34450435 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9503116 | [Redact] | [Redact] | 34778006 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Flood Certificate not provided. |  |  |  | Reviewer Comment (2025-10-29): Received Flood Certificate. Exception Cleared.<br>Seller Comment (2025-10-28): Flood Cert | 10/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9503116 | [Redact] | [Redact] | 34778007 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance policy not provided. |  |  |  | Reviewer Comment (2025-10-29): Received Hazard Insurance Policy. Exception Cleared.<br>Seller Comment (2025-10-28): HOI | 10/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9503116 | [Redact] | [Redact] | 34778009 |  | 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. |  |  |  |  |  |  | 10/24/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9503116 | [Redact] | [Redact] | 34793801 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Evidence of Access to Funds for Chase checking account number ending [Redacted] not provided. |  |  |  | Reviewer Comment (2025-11-04): Received business entity listing. Exception Cleared.<br>Seller Comment (2025-11-03): [Redacted] loans do not require an access letter. Borrower is the only owner. Please see attached Sec of State printout for proof. [Redacted] guidelines only call for an access letter if the borrower is less than [Redacted]% owner. | 11/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9503225 | [Redact] | [Redact] | 34450901 |  | 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 (2025-10-30): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-28): (Rate Lock) original collateral sent [Redacted] via [Redacted] [Redacted] | 10/30/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9503228 | [Redact] | [Redact] | 34451703 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-06): (Rate Lock) [Redacted] | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9503228 | [Redact] | [Redact] | 34894453 |  | 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. |  |  |  |  |  |  | 11/05/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9503236 | [Redact] | [Redact] | 34457156 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9503236 | [Redact] | [Redact] | 34806576 |  | 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 Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the title evidence in file. |  |  |  |  |  |  | 10/30/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9503236 | [Redact] | [Redact] | 34806600 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three[Redacted]business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/30/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9503236 | [Redact] | [Redact] | 34806601 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted]1 (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-10-30): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/30/2025 | 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. C B A | Non QM | Non QM | Yes |
| [Redact] | 9503236 | [Redact] | [Redact] | 34806604 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-27): Sufficient Cure Provided At Closing |  | 10/27/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9503236 | [Redact] | [Redact] | 34806606 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-11-03): [Redacted] received [Redacted] Initial CD, 3 business days prior to the consummation.<br>Seller Comment (2025-10-31): [Redacted] [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the 3 business days before the closing date of [Redacted]. | 11/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| [Redact] | 9503292 | [Redact] | [Redact] | 34462492 |  | 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 (2025-10-15): Waived on Rate Lock: Collateral cleared by [Redacted] | 10/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9503293 | [Redact] | [Redact] | 34463786 |  | 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 (2025-11-11): Waived on Rate Lock: Collateral cleared by Custodian | 11/11/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9503293 | [Redact] | [Redact] | 34844666 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/31/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9503528 | [Redact] | [Redact] | 34470621 |  | 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 (2025-10-23): Waived on Rate Lock: Collateral cleared by Custodian | 10/23/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9504094 | [Redact] | [Redact] | 34476844 |  | 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 (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian | 11/06/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9504094 | [Redact] | [Redact] | 34870254 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 11/04/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9504094 | [Redact] | [Redact] | 34882930 |  | 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 initial 1003 page 4 indicates the borrower will occupy the subject as their primary. Lender provided a Processor Certification which indicates this was an error. |  |  |  |  |  |  | 11/04/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9504299 | [Redact] | [Redact] | 34477002 |  | 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 (2025-10-06): Waived on Rate Lock: Collateral cleared by Custodian | 10/06/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9504299 | [Redact] | [Redact] | 34619684 |  | 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. |  |  |  |  |  |  | 10/02/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9505075 | [Redact] | [Redact] | 34478232 |  | 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 (2025-10-07): Waived on Rate Lock: Collateral cleared by Custodian | 10/07/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9505075 | [Redact] | [Redact] | 34633238 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or .[Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted] |  |  |  | Reviewer Comment (2025-10-03): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/03/2025 | 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 |
| [Redact] | 9505075 | [Redact] | [Redact] | 34637450 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-03): Sufficient Cure Provided At Closing |  | 10/03/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9505075 | [Redact] | [Redact] | 34637451 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-03): Sufficient Cure Provided At Closing |  | 10/03/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9505075 | [Redact] | [Redact] | 34637452 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-03): Sufficient Cure Provided At Closing |  | 10/03/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9505075 | [Redact] | [Redact] | 34637453 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-03): Sufficient Cure Provided At Closing |  | 10/03/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9505075 | [Redact] | [Redact] | 34637454 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Title - Tax Certificate Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-03): Sufficient Cure Provided At Closing |  | 10/03/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9505075 | [Redact] | [Redact] | 34637455 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Title - Lenders Coverage Premium. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-03): Sufficient Cure Provided At Closing |  | 10/03/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9505075 | [Redact] | [Redact] | 34637456 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-03): Sufficient Cure Provided At Closing |  | 10/03/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9505075 | [Redact] | [Redact] | 34637457 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-03): Sufficient Cure Provided At Closing |  | 10/03/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9505075 | [Redact] | [Redact] | 34637458 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-03): Sufficient Cure Provided At Closing |  | 10/03/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9505075 | [Redact] | [Redact] | 34637645 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-03): Sufficient Cure Provided At Closing |  | 10/03/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9505076 | [Redact] | [Redact] | 34478233 |  | 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 (2025-11-11): Waived on Rate Lock: Collateral cleared by Custodian | 11/11/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9505076 | [Redact] | [Redact] | 34913073 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-05): Sufficient Cure Provided At Closing |  | 11/05/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9505067 | [Redact] | [Redact] | 34478234 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9505067 | [Redact] | [Redact] | 35037168 |  | 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. |  |  |  |  |  |  |  | 11/21/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9505067 | [Redact] | [Redact] | 35037169 |  | 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. |  |  |  |  |  |  |  | 11/21/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9505067 | [Redact] | [Redact] | 35037170 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] [Redacted]. FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-11-21): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/21/2025 | 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 |
| [Redact] | 9505154 | [Redact] | [Redact] | 34478416 |  | 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 (2025-11-07): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-05): (Rate Lock) [Redacted] | 11/07/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9389388 | [Redact] |  | 34493380 |  | 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 Loan Underwriting and Transmittal Summary (1008). |  |  |  | Reviewer Comment (2025-09-23): Received Loan Underwriting and Transmittal Summary (1008). Exception Cleared.<br>Seller Comment (2025-09-22): 1008 | 09/23/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9389388 | [Redact] |  | 34493392 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Buyer Comment (2025-09-18): Initial and Final Grade B, accepted. |  |  | 09/18/2025 | 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 |
| [Redact] | 9389412 | [Redact] |  | 34494963 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Payment Shock exceeds credit guidelines. | Payment Shock: ___ | Payment Shock: FTHB- DTI > [Redacted]% and payment shock exceeds [Redacted]% at [Redacted]%. Lender exception approval in file | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score is above [Redacted]. | [Redacted] months reserves | [Redact],Originator Pre-Close,Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-09-23): Client elected to waive the condition with the following Comp Factor: 18.74 months reserves<br>Seller Comment (2025-09-22): hi following up. anything you need form us on this loan? |  |  | 09/23/2025 | 2 C B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9389391 | [Redact] |  | 34520320 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted][Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Buyer Comment (2025-09-23): Initial and Final Grade B, accepted. |  |  | 09/23/2025 | 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 |
| [Redact] | 9389391 | [Redact] |  | 34520694 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) [Redact] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [Redact] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Compliant Higher Priced Loan. |  |  |  |  |  |  |  | 09/22/2025 | 2 B |  | [Redact] | Primary | Purchase | No obvious cure B A | Non QM | Non QM | No |
| [Redact] | 9389405 | [Redact] |  | 34496272 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [Redacted]): Safe Harbor requirements not satisfied. | Safe Harbor requirements not satisfied. |  |  |  | Buyer Comment (2025-09-23): Initial and Final Grade B, accepted |  |  | 09/23/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9389415 | [Redact] |  | 34497196 |  | Compliance | Compliance | Miscellaneous Compliance | Compliance | Missing Document: Closing Disclosure not provided |  | The final CD is illegible. Provide a clear copy of the final CD issued [Redacted] |  |  |  | Reviewer Comment (2025-10-02): Received Closing Disclosure (CD). Exception Cleared.<br>Seller Comment (2025-10-01): CD<br>Seller Comment (2025-10-01): hi. please see attached. it is better. i can read it. its legibly better. Let me know if this works | 10/02/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9389397 | [Redact] |  | 34495251 |  | 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. |  |  |  |  |  |  | 09/18/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [Redact] | 9551468 | [Redact] | [Redact] | 34486168 |  | 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 (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian | 11/06/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9551468 | [Redact] | [Redact] | 34864806 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Final CD/First Payment Letter not provided. |  |  |  | Reviewer Comment (2025-11-28): Received mortgage statement & 1003. Exception Cleared.<br>Seller Comment (2025-11-25): It appears an older version of the 1003 was reviewed. The Final 1003 PITIA is $[Redacted]/mo.<br>Reviewer Comment (2025-11-20): As per final 1003 total PITI is $[Redacted] however provided CD verify only $[Redacted]. Required supporting document to verify remaining amount or revised 1003 & 1008 to clear this condition. Exception Remains.<br>Seller Comment (2025-11-19): [Redacted] and Final CD<br>Reviewer Comment (2025-11-17): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Address: [Redacted], Address: [Redacted]<br>Reviewer Comment (2025-11-17): The file is still missing the REO docs for the property located at [Redacted]. Duplicate copies of the docs for the property located at [Redacted] have been provided. The condition is valid and remains open<br>Reviewer Comment (2025-11-17): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Statement<br> Statement<br>Seller Comment (2025-11-17): These are the documents provided, the final CD and first payment letter for [Redacted]. I don't know what you are seeing but I am literally providing you what you are asking for. This is the [Redacted] time uploading. Please clear and waive any suspense fees.<br>Reviewer Comment (2025-11-14): Provided all documents already present in file. Required mortgage statement or Final CD/First Payment Letter for property #[Redacted] to clear this condition. Exception Remains.<br>Seller Comment (2025-11-13): Once again uploading FPL and Final CD. Please clear.<br>Reviewer Comment (2025-11-12): Received mortgage statement for property #[Redacted]. Required mortgage statement, Final CD/First Payment Letter for property #[Redacted]. Exception Remains.<br>Seller Comment (2025-11-11): FPL, and final CD for REO. | 11/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9551468 | [Redact] | [Redact] | 34874145 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/04/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9554446 | [Redact] | [Redact] | 34487503 |  | 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 (2025-11-14): Waived on Rate Lock: Collateral cleared by Custodian | 11/14/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9554446 | [Redact] | [Redact] | 34951525 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. |  |  |  |  |  |  |  | 11/12/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9554452 | [Redact] | [Redact] | 34487975 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-31): Delivered [Redacted]. UPS [Redacted] | 11/04/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9554452 | [Redact] | [Redact] | 34794928 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three [Redacted] business days of application or determination of first lien status. |  |  |  |  | Reviewer Comment (2025-10-28): Received appraisal disclosure. Exception Cleared.<br>Seller Comment (2025-10-27): Document was in file and was issued in time. | 10/28/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9554452 | [Redact] | [Redact] | 34795843 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/24/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9554452 | [Redact] | [Redact] | 34802364 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing documentation to verify the REO expenses |  |  |  | Reviewer Comment (2025-10-30): Documentation provided verifying the PITIA<br>Seller Comment (2025-10-28): REO insurance | 10/30/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9554452 | [Redact] | [Redact] | 34802365 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing documentation to verify the REO expenses |  |  |  | Reviewer Comment (2025-10-28): Received Tax Certificate. Exception Cleared.<br>Seller Comment (2025-10-27): Already addressed in file. [Redacted] does not require property insurance and tax calc matches with what was used in qualifying. | 10/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9554452 | [Redact] | [Redact] | 34802366 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing documentation to verify the REO expenses |  |  |  | Reviewer Comment (2025-10-30): Documentation provided verifying the PITIA<br>Seller Comment (2025-10-29): Figures on 1003 are correct. Mortgage statement shows taxes and insurance escrowed - PITI is $[Redacted]. HOA fees are $[Redacted] (two separate maintenance charge fees of $[Redacted] and $[Redacted])<br>Reviewer Comment (2025-10-28): As per final 1003 total expenses is $[Redacted] however verified only $[Redacted] as taxes. Required supporting documents to verify remaining $[Redacted]. Exception Remains.<br>Seller Comment (2025-10-27): Mortgage statement in file confirms that insurance is escrowed. | 10/30/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9554506 | [Redact] | [Redact] | 34489041 |  | 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 (2025-10-22): Waived on Rate Lock: Collateral cleared by Custodian | 10/22/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9554506 | [Redact] | [Redact] | 34754486 |  | 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. |  |  |  |  |  |  |  | 10/20/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9554506 | [Redact] | [Redact] | 34754562 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[Redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | There was no cure provided to the borrower and the file did not contain a valid COC for the addition of the fee. |  |  |  | Reviewer Comment (2025-12-04): [Redacted] received lender rebuttal, and as per rate lock confirmed [Redacted]% lump sum lender credit did not decline from [Redacted] CD to [Redacted] revised CD and that lender Paid transfer tax is not lender credit and was reduced from $[Redacted] to $[Redacted].<br>Seller Comment (2025-12-03): [Redacted] [Redacted] The lender credit on this file was for the [Redacted] State Recording Fee that is covered by the lender. This fee is subject to change without a valid CofC as it is not a true credit to the borrower but a lender paid fee set by the state and title for required recorded documents. Please see attached final CD with the highlighted Lender paid.<br>Reviewer Comment (2025-10-27): [Redacted] received rebuttal, however lender credit decreased on seq 2 CD dated [Redacted](DocID DO436). COC available in file doesn't provide sufficient information why the credit was decreased. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check.<br>Seller Comment (2025-10-23): [Redacted] [Redacted]: Baseline amount cited does not match across any disclosures, can you please clarify the docID reflecting $-[Redacted] so we can better assist? | 12/04/2025 |  |  | 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 |
| [Redact] | 9554508 | [Redact] | [Redact] | 34489262 |  | 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 (2025-10-29): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-10-28): tracking | 10/29/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9554508 | [Redact] | [Redact] | 34773137 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing copy of Fraud Report. |  |  |  | Reviewer Comment (2025-10-27): Received fraud report. Exception Cleared.<br>Seller Comment (2025-10-24): fraud report attached | 10/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9554508 | [Redact] | [Redact] | 34773155 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The file was missing copy of Fraud Report. |  |  |  | Reviewer Comment (2025-10-27): Received fraud report. Exception Cleared.<br>Seller Comment (2025-10-24): fraud report has been uploaded. | 10/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9554639 | [Redact] | [Redact] | 34489749 |  | 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 (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-04): Note tracking [Redacted], Delivered On [Redacted] at [Redacted] A.M.<br>Seller Comment (2025-10-23): Missing Critical Docs | 11/05/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | D B A | Non QM | Non QM | No |
| [Redact] | 9554639 | [Redact] | [Redact] | 34792293 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Mortgage Statement, Tax verification, Insurance verification and HOA document. |  |  |  | Reviewer Comment (2025-10-28): Received mortgage statement, Tax certificate & hazard insurance. Exception Cleared.<br>Seller Comment (2025-10-27): Fraud Report<br>Seller Comment (2025-10-27): Credit Report<br>Seller Comment (2025-10-27): REO docs | 10/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B A | Non QM | Non QM | No |
| [Redact] | 9554639 | [Redact] | [Redact] | 34792310 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | The file is missing a copy of Credit Report |  |  |  | Reviewer Comment (2025-10-28): Received credit report. Exception Cleared.<br>Seller Comment (2025-10-27): Credit Report | 10/28/2025 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D B A | Non QM | Non QM | No |
| [Redact] | 9554639 | [Redact] | [Redact] | 34792311 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud report |  |  |  | Reviewer Comment (2025-10-28): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-10-27): Fraud Report | 10/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B A | Non QM | Non QM | No |
| [Redact] | 9554639 | [Redact] | [Redact] | 34792313 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | The file is missing a copy of Purchase Agreement / Sales Contract |  |  |  | Reviewer Comment (2025-10-28): Received Purchase Agreement. Exception Cleared.<br>Seller Comment (2025-10-27): Purchase Agreement | 10/28/2025 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D B A | Non QM | Non QM | No |
| [Redact] | 9554639 | [Redact] | [Redact] | 34792321 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | No evidence of fraud report in file. |  |  |  | Reviewer Comment (2025-10-28): Received fraud report. Exception Cleared.<br>Seller Comment (2025-10-27): Fraud Report | 10/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B A | Non QM | Non QM | No |
| [Redact] | 9554639 | [Redact] | [Redact] | 34792322 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | No evidence of fraud report in file. |  |  |  | Reviewer Comment (2025-10-28): Received fraud report. Exception Cleared.<br>Seller Comment (2025-10-27): Fraud Report | 10/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B A | Non QM | Non QM | No |
| [Redact] | 9554639 | [Redact] | [Redact] | 34792328 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/24/2025 | 2 B |  | [Redact] | Primary | Purchase | D B A | Non QM | Non QM | No |
| [Redact] | 9554639 | [Redact] | [Redact] | 34792329 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  | Reviewer Comment (2025-10-31): Rate lock info provided<br>Seller Comment (2025-10-29): Rate Lock on initial LE | 10/31/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | D B A | Non QM | Non QM | No |
| [Redact] | 9554639 | [Redact] | [Redact] | 34795554 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Subject photos are missing or not legible. |  | The file was missing a copy of the appraisal with color photos, as required by the guidelines. |  |  |  | Reviewer Comment (2025-10-28): Received updated appraisal . Exception Cleared.<br>Seller Comment (2025-10-27): Appraisal | 10/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B A | Non QM | Non QM | No |
| [Redact] | 9554845 | [Redact] | [Redact] | 34489761 |  | 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 (2025-11-14): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-11): Tracking # [Redacted] // [Redacted]&[Redacted] to [Redacted] VIA [Redacted] TRACKING #[Redacted] | 11/14/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | C A | Non QM | Exempt from ATR | No |
| [Redact] | 9554845 | [Redact] | [Redact] | 34870329 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Mortgage Statement or other verification of mortgage payment. If rental income is to be considered, require either Lease agreement or Form [Redacted]. |  |  |  | Reviewer Comment (2025-12-05): Received hazard insurance policy. Exception Cleared.<br>Seller Comment (2025-12-04): EOI<br>Seller Comment (2025-12-04): HOI<br>Seller Comment (2025-12-04): [Redacted] HOI<br>Reviewer Comment (2025-12-04): Received mortgage statement & tax certificate. Required hazard insurance policy to clear this condition. Exception Remains.<br>Seller Comment (2025-12-02): [Redacted] mortgage docs and memo<br>Reviewer Comment (2025-12-02): Provided pay history document doesn't reflect PITI amount $[Redacted]. Required Mortgage Statement or other verification of mortgage payment with PITI amount to clear this condition. Exception Remains.<br>Seller Comment (2025-11-28): this is a new mortgage loan. the FPL, coupon book, and payment history was provided. 1007 uploaded<br>Seller Comment (2025-11-28): 1007<br>Reviewer Comment (2025-11-20): Required mortgage statement or verification of mortgage payment & Lease agreement or comparable rent schedule to clear this condition. Exception Remains.<br>Seller Comment (2025-11-19): Mtgs - with current payment stmts<br>Seller Comment (2025-11-19): Thrush mortgage docs, New Property First payment [Redacted]<br>Reviewer Comment (2025-11-13): Required mortgage statement & lease agreement to clear this condition. Exception Remains.<br>Seller Comment (2025-11-11): [Redacted] | 12/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A | Non QM | Exempt from ATR | No |
| [Redact] | 9554847 | [Redact] | [Redact] | 34489768 |  | 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 (2025-11-13): Waived on Rate Lock: Collateral cleared by Custodian | 11/13/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9554857 | [Redact] | [Redact] | 34489808 |  | 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 (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian | 11/05/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9554857 | [Redact] | [Redact] | 34843615 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | ECOA Receipt of Appraisal Without Waiver |  |  |  |  |  |  | 11/03/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9554857 | [Redact] | [Redact] | 34843616 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | ECOA Receipt of Appraisal Without Waiver |  |  |  |  |  |  | 11/03/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9555082 | [Redact] | [Redact] | 34495273 |  | 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 (2025-10-24): Waived on Rate Lock: Collateral cleared by Custodian | 10/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9555082 | [Redact] | [Redact] | 34724340 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Verification of Non-US Citizen Status document not provided in the file. |  |  |  | Reviewer Comment (2025-10-20): Received visa. Exception Cleared.<br>Seller Comment (2025-10-17): [Redacted] [Redacted]: See attached approved 797 form | 10/20/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9555082 | [Redact] | [Redact] | 34725382 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-20): Received CPA letter with expense ratio. Exception Cleared.<br>Seller Comment (2025-10-17): [Redacted] [Redacted]: See attached CPA letter | 10/20/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [Redact] | 9555082 | [Redact] | [Redact] | 34725383 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-20): Received CPA letter with expense ratio. Exception Cleared.<br>Seller Comment (2025-10-17): [Redacted] [Redacted]: See attached CPA letter | 10/20/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9555082 | [Redact] | [Redact] | 34733646 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Per the UW Income calculation worksheet, the income was qualified using an expense ratio of [Redacted]% from the CPA. However, the CPA letter in file did not identify the expense ratio. Provide a copy of the CPA letter with the expense ratio or revised income calculation worksheet using the [Redacted]% standard expense ratio, per the guidelines. |  |  |  | Reviewer Comment (2025-10-20): Received CPA letter with expense ratio. Exception Cleared.<br>Seller Comment (2025-10-17): [Redacted] [Redacted]: See attached CPA letter | 10/20/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9555082 | [Redact] | [Redact] | 34734234 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [Redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Per the UW Income calculation worksheet, the income was qualified using an expense ratio of [Redacted]% from the CPA. However, the CPA letter in file did not identify the expense ratio. Provide a copy of the CPA letter with the expense ratio or revised income calculation worksheet using the [Redacted]% standard expense ratio, per the guidelines. |  |  |  | Reviewer Comment (2025-10-20): Received CPA letter with expense ratio. Exception Cleared.<br>Seller Comment (2025-10-17): [Redacted] [Redacted]: See attached CPA letter | 10/20/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9503196 | [Redact] |  | 34527970 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2025-09-30): [Redacted]valuation obtained | 09/30/2025 |  |  | 1 D A |  | [Redact] | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9503196 | [Redact] |  | 34535620 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule [Redacted]: Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  | 09/25/2025 | 2 B |  | [Redact] | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9503196 | [Redact] |  | 34557845 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  | The lender qualified with HOA dues of $[Redacted] per month. The HOA dues were not disclosed on the appraisal and were not documented in file. Provide documentation to verify the HOA dues or a revised 1008 and DU approval removing the HOA dues from the PITIA. |  |  |  | Reviewer Comment (2025-10-09): Received revised documents. Exception Cleared.<br>Seller Comment (2025-10-07): 1003<br>Reviewer Comment (2025-10-06): Required updated 1003 with revised expenses to clear this condition. Exception Remains.<br>Seller Comment (2025-10-02): 1008 / DU removing HOA fees | 10/09/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9503196 | [Redact] |  | 34580836 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets [Redacted] Days |  |  |  | Reviewer Comment (2025-09-30): [Redacted]valuation obtained<br>Reviewer Comment (2025-09-30): Valuation Received - [Redacted] | 09/30/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9503209 | [Redact] |  | 34531542 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the [Redacted]at Closing. |  |  |  |  | Reviewer Comment (2025-09-23): Sufficient Cure Provided At Closing |  | 09/23/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| [Redact] | 9555089 | [Redact] | [Redact] | 34495609 |  | 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 (2025-10-20): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-10-16): Note Tracking: [Redacted]. Delivered[Redacted]Please locate. Thank you! | 10/20/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9555089 | [Redact] | [Redact] | 34706781 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $[Redacted]is less than Cash from Borrower $[Redacted]. Missing Final CD to verify proceeds from refinance on primary residence for $[Redacted]. |  |  |  | Reviewer Comment (2025-10-23): Received Closing Disclosure. Exception Cleared.<br>Seller Comment (2025-10-22): Concurrent Refi [Redacted]<br>Reviewer Comment (2025-10-20): Required Final [Redacted]to verify proceeds from refinance on primary residence [Redacted]Exception Remains.<br>Seller Comment (2025-10-16): [Redacted]AND [Redacted] | 10/23/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9555089 | [Redact] | [Redact] | 34706783 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Documented qualifying Assets for Closing of $[Redacted]is less than Cash from Borrower $[Redacted]. Missing Final CD to verify proceeds from refinance on primary residence for $[Redacted]. |  |  |  | Reviewer Comment (2025-10-23): Received Closing Disclosure. Exception Cleared.<br>Seller Comment (2025-10-22): Concurrent Refi [Redacted]<br>Reviewer Comment (2025-10-20): Required Final [Redacted] to verify proceeds from refinance on primary residence [Redacted] Exception Remains.<br>Seller Comment (2025-10-16): [Redacted] AND [Redacted] | 10/23/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9555089 | [Redact] | [Redact] | 34706784 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [Redacted]days of closing must be provided. |  |  |  | Reviewer Comment (2025-10-28): Received [Redacted]. Exception Cleared.<br>Seller Comment (2025-10-28): [Redacted]for [Redacted]<br>Reviewer Comment (2025-10-20): Required [Redacted]for [Redacted]County Government. Exception Remains.<br>Seller Comment (2025-10-16): Final [Redacted] | 10/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9555089 | [Redact] | [Redact] | 34706785 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [Redacted] days of closing must be provided. |  |  |  | Reviewer Comment (2025-10-29): Received [Redacted]. Exception Cleared.<br>Seller Comment (2025-10-28): [Redacted]for [Redacted]<br>Reviewer Comment (2025-10-20): Required [Redacted]for [Redacted]County Government. Exception Remains.<br>Seller Comment (2025-10-16): Final [Redacted] | 10/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9555089 | [Redact] | [Redact] | 34708805 |  | 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 [Redacted] residence. (Compliance testing performed based on the Occupancy Type of [Redacted]). | The borrower selected "yes" they will occupy the property as their [Redacted] residence in the declarations section of the initial [Redacted] |  |  |  |  |  |  | 10/13/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9555089 | [Redact] | [Redact] | 34717751 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  |  |  |  |  | Reviewer Comment (2025-10-20): Received [Redacted]. Exception Cleared.<br>Seller Comment (2025-10-16): [Redacted] | 10/20/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9555090 | [Redact] | [Redact] | 34495641 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9555142 | [Redact] | [Redact] | 34495894 |  | 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 (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian | 11/05/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9555142 | [Redact] | [Redact] | 34755950 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower lives Rent free, which is not allowed per the guidelines. Client exception approval in file. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] LTV is [Redacted] below max ([Redacted]).<br>[Redacted] post-close reserves ([Redacted] months or [Redacted]). | [Redact],Aggregator<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-10-17): Client elected to waive the condition with the following Compensating Factors:<br> [Redacted] LTV is [Redacted] below max ([Redacted]). <br> [Redacted] post-close reserves ([Redacted] months or 12x). <br> [Redacted]+ years property management experience. |  |  | 10/17/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9555141 | [Redact] | [Redact] | 34495947 |  | 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 (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian | 11/05/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9555141 | [Redact] | [Redact] | 34837990 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-28): Sufficient Cure Provided At Closing |  | 10/28/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9555311 | [Redact] | [Redact] | 34496911 |  | 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 (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-21): UPS Tracking #[Redacted] for Note - Note Delivered [Redacted] | 11/27/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9555311 | [Redact] | [Redact] | 35000418 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Note Addendum - Prepayment not provided. |  |  |  | Reviewer Comment (2025-11-24): Addendum provided. Exception cleared.<br>Seller Comment (2025-11-21): Please see copy of note and addendum attached. UPS Tracking #[Redacted] - Note Delivered [Redacted] | 11/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9555311 | [Redact] | [Redact] | 35000523 |  | Credit | Compliance | Miscellaneous Compliance | Compliance | Missing Document: Loan Estimate not provided |  | Loan Estimate not provided. |  |  |  | Reviewer Comment (2025-11-24): LE provided.<br>Seller Comment (2025-11-21): Please see LE Attached | 11/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9555320 | [Redact] | [Redact] | 34497130 |  | 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 (2025-10-17): Waived on Rate Lock: Collateral cleared by Custodian | 10/17/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9555320 | [Redact] | [Redact] | 34724563 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted]% tolerance was exceeded by $[Redacted]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 [Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-14): Sufficient Cure Provided At Closing |  | 10/14/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9555320 | [Redact] | [Redact] | 34724652 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The file is missing copy of fraud report |  |  |  | Reviewer Comment (2025-10-20): Received fraud report. Exception Cleared.<br>Seller Comment (2025-10-16): [Redacted] [Redacted]: please see attached | 10/20/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9555320 | [Redact] | [Redact] | 34724685 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing copy of fraud report. |  |  |  | Reviewer Comment (2025-10-20): Received fraud report. Exception Cleared.<br>Seller Comment (2025-10-16): [Redacted] [Redacted]: please see attached | 10/20/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9555502 | [Redact] | [Redact] | 34512084 |  | 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 (2025-10-28): Waived on Rate Lock: Collateral cleared by Custodian | 10/28/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9555502 | [Redact] | [Redact] | 34721441 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of [Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-14): Sufficient Cure Provided At Closing |  | 10/14/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9555502 | [Redact] | [Redact] | 34736929 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Loan Title Outstanding Lien |  | Per the preliminary title, there are two liens on the subject property; however only one lien was paid off at closing. Both liens on title are dated [Redacted] and have the same loan amount of $[Redacted] and neither matches the lien paid off at closing. Note: a HELOC on the non-occupant borrowers primary residence was paid off at closing. |  |  |  | Reviewer Comment (2025-10-30): Clarification from the title company provided<br>Seller Comment (2025-10-28): (Rate Lock) Reverse mortgage | 10/30/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9557288 | [Redact] | [Redact] | 34515382 |  | 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 (2025-10-13): Waived on Rate Lock: Collateral cleared by Custodian | 10/13/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9557289 | [Redact] | [Redact] | 34515425 |  | 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 (2025-10-30): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-28): [Redacted] tracking number is [Redacted] - and tracking confirmation shows DELIVERED [Redacted] @ [Redacted]am. | 10/30/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9557289 | [Redact] | [Redact] | 34785112 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. |  |  |  |  |  |  |  | 10/27/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9557289 | [Redact] | [Redact] | 34785114 |  | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Tangible Net Benefit Disclosure Signed by Borrower | [Redacted] Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not signed by the Borrower prior to closing. | The Tangible Net Benefit Disclosure was sent to the borrower [Redacted], however this wasn't signed by the borrower until closing. |  |  |  | Reviewer Comment (2025-11-05): Earlier disclosure provided<br>Seller Comment (2025-11-03): Both initial and final net tangible benefit disclosures. | 11/05/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9557289 | [Redact] | [Redact] | 34785115 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Valid COC for the fee increase was not provided or a sufficient cure. |  |  |  | Reviewer Comment (2025-11-07): [Redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-11-06): The PCCD cure has now been delivered to the borrowers - on [Redacted] @ [Redacted]pm. In regard to the transfer tax on the LE - lines 1203-1205 combine in total, as seen in the attached response. Line 1203 stayed $[Redacted] throughout the process. Line 1205 increased from $[Redacted] to $[Redacted], hence the issued refund amount of $[Redacted].<br>Reviewer Comment (2025-11-03): [Redacted] Received Cure Docs; however, [Redacted] tracking indicates label created and package has not been shipped. Also, received evidence for transfer tax round off amount on LE; however, provided supporting document reflects transfer tax on LE as $[Redacted]; however, in actual transfer tax on LE are $[Redacted]. Provide proof of Mailing and bifurcation of transfer tax on LE to match amount $[Redacted].<br>Seller Comment (2025-11-03): SnipIt for [Redacted] alert and why cure amount is different than condition.<br>Seller Comment (2025-11-03): PCCD, LOX, Refund chk and shipping label |  | 11/07/2025 |  | 2 C B |  | [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 | Non QM | Non QM | Yes |
| [Redact] | 9603527 | [Redact] | [Redact] | 34520376 |  | 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 (2025-10-23): Waived on Rate Lock: Collateral cleared by Custodian | 10/23/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9603593 | [Redact] | [Redact] | 34521110 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9603592 | [Redact] | [Redact] | 34521116 |  | 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 (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian | 11/06/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9603596 | [Redact] | [Redact] | 34521313 |  | 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 (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-04): (Rate Lock) tracking# [Redacted] | 11/06/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | A | Non QM | Non QM | No |
| [Redact] | 9606066 | [Redact] | [Redact] | 34523359 |  | 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 (2025-11-13): Waived on Rate Lock: Collateral cleared by Custodian | 11/13/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9606066 | [Redact] | [Redact] | 34942362 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-11-11): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/11/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9606066 | [Redact] | [Redact] | 34942366 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $[Redacted]on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-11-10): Sufficient Cure Provided At Closing |  | 11/10/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9606066 | [Redact] | [Redact] | 34955344 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/11/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9606140 | [Redact] | [Redact] | 34524092 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9606140 | [Redact] | [Redact] | 34837141 |  | 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. |  |  |  |  |  |  | 10/30/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9606151 | [Redact] | [Redact] | 34524346 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9606151 | [Redact] | [Redact] | 34885860 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted][Redacted]) (an overage of $[Redacted]or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-11-04): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/04/2025 | 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 |
| [Redact] | 9606154 | [Redact] | [Redact] | 34524387 |  | 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 (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-03): Note Tracking: [Redacted]. To be delivered [Redacted]. | 11/05/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9606154 | [Redact] | [Redact] | 34808962 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | The file was missing a copy of the Note - Subject Lien. |  |  |  | Reviewer Comment (2025-11-03): Received Note. Exception Cleared.<br>Seller Comment (2025-10-31): Copy of Note | 11/03/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9606154 | [Redact] | [Redact] | 34808971 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2025-11-06): Final title policy provided | 11/06/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9606154 | [Redact] | [Redact] | 34808992 |  | 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 (2025-11-06): Final title policy provided<br>Seller Comment (2025-11-06): FTP | 11/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9606154 | [Redact] | [Redact] | 34809051 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided |  |  |  |  |  |  | 10/30/2025 | 2 B |  | [Redact] | Investment | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9606154 | [Redact] | [Redact] | 34811224 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Certificate city of [Redacted] does not match Note city of [Redacted]. |  |  |  | Reviewer Comment (2025-11-06): Revised Flood Cert provided<br>Seller Comment (2025-11-06): Corrected Flood Cert | 11/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9606830 | [Redact] | [Redact] | 34531083 |  | 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 (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian | 11/05/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9606825 | [Redact] | [Redact] | 34531182 |  | 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 (2025-11-11): Waived on Rate Lock: Collateral cleared by Custodian | 11/11/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9606825 | [Redact] | [Redact] | 34934985 |  | 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 Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the title evidence in file. |  |  |  |  |  |  | 11/08/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9606825 | [Redact] | [Redact] | 34934990 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted][Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-11-07): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/07/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9606837 | [Redact] | [Redact] | 34531905 |  | 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 (2025-10-10): Waived on Rate Lock: Collateral cleared by [Redacted] | 10/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9606837 | [Redact] | [Redact] | 34675984 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report for Authorized Signor not provided. |  |  |  | Reviewer Comment (2025-10-21): Revised fraud report including the authorized signor as a participant was provided<br>Seller Comment (2025-10-17): [Redacted] is on the fraud report and cleared. we cannot pull a fraud report for someone who is not a [Redacted] . please clear this condition as there is no way for us to get a fraud report for the [Redacted].<br>Seller Comment (2025-10-17): Updated Fraud Report<br>Reviewer Comment (2025-10-16): Requied fraud report for authorized signor. Exception Remains.<br>Seller Comment (2025-10-15): Auth signor on [Redacted]fraud report. Page [Redacted]<br>Reviewer Comment (2025-10-13): Additional copy of the fraud report provided. The fraud report only included the [Redacted] and not the authorized signor, [Redacted] Provide a copy of the fraud report for the authorized signor. Condition remains<br>Seller Comment (2025-10-09): Fraud Report | 10/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9606842 | [Redact] | [Redact] | 34532142 |  | 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 (2025-11-20): Waived on Rate Lock: Collateral cleared by Custodian | 11/20/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9608464 | [Redact] | [Redact] | 34534312 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9608464 | [Redact] | [Redact] | 34835621 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report was not provided in the file. |  |  |  | Reviewer Comment (2025-11-06): Received fraud report. Exception Cleared.<br>Seller Comment (2025-11-04): [Redacted] [Redacted]: See attached fraud report | 11/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9608464 | [Redact] | [Redact] | 34835623 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC not provided. |  |  |  | Reviewer Comment (2025-11-06): Received fraud report. Exception Cleared.<br>Seller Comment (2025-11-04): [Redacted] [Redacted]: See attached fraud report | 11/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9608464 | [Redact] | [Redact] | 34835629 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | No evidence of fraud report in file. |  |  |  | Reviewer Comment (2025-11-06): Received fraud report. Exception Cleared.<br>Seller Comment (2025-11-04): [Redacted] [Redacted]: See attached fraud report | 11/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9608464 | [Redact] | [Redact] | 34835640 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/30/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9608464 | [Redact] | [Redact] | 34836487 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Background Check not provided. |  |  |  | Reviewer Comment (2025-11-06): Received fraud report. Exception Cleared.<br>Seller Comment (2025-11-04): [Redacted] [Redacted]: See attached fraud report | 11/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9608458 | [Redact] | [Redact] | 34534346 |  | 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 (2025-10-31): Waived on Rate Lock: Collateral cleared by [Redacted] | 10/31/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9608458 | [Redact] | [Redact] | 34844795 |  | 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 [Redacted] residence. (Compliance testing performed based on the Occupancy Type of [Redacted]). | There is evidence on the initial [Redacted]that the borrower intends to occupy the property as their [Redacted] residence. |  |  |  |  |  |  | 10/29/2025 | 2 B |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9610556 | [Redact] | [Redact] | 34541846 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-07): [Redacted] - Tracking | 11/10/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9610556 | [Redact] | [Redact] | 34838000 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Insurance verification |  |  |  | Reviewer Comment (2025-11-03): Received Insurance verification. Exception Cleared.<br>Seller Comment (2025-10-31): [Redacted] insurance verification | 11/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9610726 | [Redact] | [Redact] | 34542839 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Buyer Comment (2025-11-25): (Rate Lock) [Redacted]<br>Seller Comment (2025-11-25): when will this be reviewed and cleared? It's been 12 business days.<br>Seller Comment (2025-11-06): See fed ex label. Collateral shipped | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A B | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9610726 | [Redact] | [Redact] | 34894591 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Provide a copy of HOA verification |  |  |  | Reviewer Comment (2025-11-07): HOA verification provided<br>Seller Comment (2025-11-06): See attached HOA Verification [Redacted] | 11/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A B | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9610726 | [Redact] | [Redact] | 34894906 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Client approved exception. [Redacted] requires 6 months rent loss coverage on investment properties. Subject loan requires $[Redacted] but the insurance company offers a maximum of [Redacted]% of the dwelling value, which is $[Redacted] or [Redacted] months of rent loss coverage. |  |  |  | Reviewer Comment (2025-11-07): HO6 policy including 6 months rent loss coverage was provided;<br>Seller Comment (2025-11-06): Borrower didnt need the lender exception they got increased rent loss coverage. See the trailing doc. | 11/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A B | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9610726 | [Redact] | [Redact] | 34894933 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided |  | Lender Exception Document not provided. |  |  |  | Reviewer Comment (2025-11-07): HO6 policy including 6 months rent loss coverage was provided; therefore the client's exception approval is not needed.<br>Seller Comment (2025-11-06): See HOI with correct rental loss coverage | 11/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A B | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9610726 | [Redact] | [Redact] | 34910782 |  | Compliance | Compliance | Federal Compliance | Compliance | Closing Disclosure Missing Issue Date Non-Material | Closing Disclosure with an estimated issue date of [Redacted] did not disclose an issue date. Unable to conclusively determine Final Closing Disclosure to use for fees due to missing Issue Date. EV2 informational finding to indicate which document was used to source fees for any applicable testing. Closing Disclosure dated [Redacted] used to source fees for testing. | Closing Disclosure with an estimated issue date of [Redacted] did not disclose an issue date. Unable to conclusively determine Final Closing Disclosure to use for fees due to missing Issue Date. EV2 informational finding to indicate which document was used to source fees for any applicable testing. Closing Disclosure dated [Redacted] used to source fees for testing. |  |  |  | Reviewer Comment (2025-11-10): Final CD provided; CD without the issue date was from the title co and was for fees only<br>Seller Comment (2025-11-06): See final CD with correct Issue date | 11/10/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | C A B | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9610873 | [Redact] | [Redact] | 34543236 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9610943 | [Redact] | [Redact] | 34544572 |  | 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 (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian | 11/06/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9610943 | [Redact] | [Redact] | 34851954 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of[Redacted]% is in excess of the allowable maximum of the greater of[Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Fannie Mae Points and Fees exceed allowable threshold by $[Redacted] or [Redacted]% |  |  |  | Reviewer Comment (2025-11-03): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/03/2025 | 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 |
| [Redact] | 9610940 | [Redact] | [Redact] | 34544787 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9610940 | [Redact] | [Redact] | 34835941 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-28): Sufficient Cure Provided At Closing |  | 10/28/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9610937 | [Redact] | [Redact] | 34544788 |  | 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 (2025-11-20): Waived on Rate Lock: Collateral cleared by Custodian | 11/20/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9610938 | [Redact] | [Redact] | 34544791 |  | 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 (2025-10-30): Waived on Rate Lock: Collateral cleared by [Redacted] | 10/30/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9610938 | [Redact] | [Redact] | 34773731 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ([Redacted]): Borrower waived right to receive a copy of the appraisal at least[Redacted]business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/22/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9610938 | [Redact] | [Redact] | 34773732 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | [Redacted]Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). [Redacted]Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted]or .[Redacted]%). | [Redacted] Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of the greater of [Redacted] % of the Original Loan Amount and [Redacted][Redacted]Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted]and $[Redacted] |  |  |  | Reviewer Comment (2025-10-22): Client elected to waive the condition on the [Redacted] |  |  | 10/22/2025 | 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 |
| [Redact] | 9611077 | [Redact] | [Redact] | 34545761 |  | 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 (2025-10-17): Waived on Rate Lock: Collateral cleared by Custodian | 10/17/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [Redact] | 9611077 | [Redact] | [Redact] | 34729251 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file was missing a copy of Tax Document of subject property |  |  |  | Reviewer Comment (2025-10-20): Received tax certificate. Exception Cleared.<br>Seller Comment (2025-10-16): [Redacted] [Redacted]: please see attached | 10/20/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [Redact] | 9611077 | [Redact] | [Redact] | 34729399 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 10/15/2025 | 2 B |  | [Redact] | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [Redact] | 9611077 | [Redact] | [Redact] | 34729408 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank [Redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | Reviewer Comment (2025-10-21): Received list of homeowner counselling list. Exception Cleared.<br>Seller Comment (2025-10-17): [Redacted] [Redacted]: Please see the attached // | 10/21/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [Redact] | 9611077 | [Redact] | [Redact] | 34729411 |  | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Home Loan (Tangible Net Benefit Disclosure Not Provided) | [Redacted] Home Loan ([Redacted]): Loan file does not contain a Tangible Net Benefit Disclosure (or similar document). |  |  |  |  | Reviewer Comment (2025-10-21): Disclosure provided<br>Seller Comment (2025-10-17): [Redacted] [Redacted]: Please see the attached // | 10/21/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [Redact] | 9611077 | [Redact] | [Redact] | 34729445 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-23): Received CDA. Exception Cleared.<br>Seller Comment (2025-10-22): [Redacted] [Redacted]: please see attached | 10/23/2025 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [Redact] | 9611077 | [Redact] | [Redact] | 34729472 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing a copy of HOA Document for the departure residence. |  |  |  | Reviewer Comment (2025-10-23): Received tax certificate. Exception Cleared.<br>Seller Comment (2025-10-22): [Redacted] [Redacted]: please see attached<br>Reviewer Comment (2025-10-20): Required HOA, Tax certificate & insurance to clear this condition. Exception Remains.<br>Seller Comment (2025-10-16): [Redacted] [Redacted]: there was a citation for the secondary valuation not being provided and now this stip is duplicated, and the other stip is gone, so I think it got changed by mistake . Attaching secondary valuation document here<br>Seller Comment (2025-10-16): [Redacted] [Redacted]: please see attached | 10/23/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [Redact] | 9613067 | [Redact] | [Redact] | 34551088 |  | 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 (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian | 11/05/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9613067 | [Redact] | [Redact] | 34842644 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/31/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9613618 | [Redact] | [Redact] | 34569156 |  | 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 (2025-11-13): Waived on Rate Lock: Collateral cleared by Custodian | 11/13/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9613634 | [Redact] | [Redact] | 34573747 |  | 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 (2025-11-03): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-30): Original note shipped via tracking #[Redacted] | 11/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9613634 | [Redact] | [Redact] | 34809190 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Exempt from ATR does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Exempt from ATR does not match Due Diligence Loan Designation of ATR Fail. Missing occupancy and/or business purpose cert in order to test as exempt. |  |  |  | Reviewer Comment (2025-11-03): Business purpose/Occupancy cert provided and loan was tested as Exempt | 11/03/2025 |  |  | 1 B A C |  | [Redact] | Investment | Purchase | Lender to provide updated ATR/QM status D C | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9613634 | [Redact] | [Redact] | 34809191 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Partnership Test | Ability-to-Repay (Dodd-Frank [Redacted]): Unable to verify current Partnership status due to most recent Tax Return end date is older than [Redacted]days before Closing Date, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. | The file is missing the third party verification of self-employment for the partnership. |  |  |  | Reviewer Comment (2025-11-03): Third party verification of self-employment provided.<br>Seller Comment (2025-10-30): Please see attached SE VOE with third party verification. | 11/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9613634 | [Redact] | [Redact] | 34809192 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank [Redacted]): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. |  |  |  | Reviewer Comment (2025-11-03): Business purpose/Occupancy cert provided and loan was tested as Exempt | 11/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9613634 | [Redact] | [Redact] | 34809193 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk |  |  |  | Reviewer Comment (2025-11-03): Business purpose/Occupancy cert provided and loan was tested as Exempt | 11/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9613634 | [Redact] | [Redact] | 34809195 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [Redacted]): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. |  |  |  | Reviewer Comment (2025-11-03): Business purpose/Occupancy cert provided and loan was tested as Exempt | 11/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9613634 | [Redact] | [Redact] | 34809196 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. | Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. |  |  |  | Reviewer Comment (2025-11-03): Business purpose/Occupancy cert provided and loan was tested as Exempt | 11/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9613634 | [Redact] | [Redact] | 34809197 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Borrower not provided with list of service providers. |  |  |  | Reviewer Comment (2025-11-03): Business purpose/Occupancy cert provided and loan was tested as Exempt | 11/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | No Defined Cure A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9613634 | [Redact] | [Redact] | 34809198 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrowe |  |  |  | Reviewer Comment (2025-11-03): Business purpose/Occupancy cert provided and loan was tested as Exempt | 11/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9613634 | [Redact] | [Redact] | 34809199 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The difference is due to the lender qualified with less rental loss for the REO. The [Redacted] was used to calculate the loss, but the final [Redacted] shows the gross rent was $[Redacted]. |  |  |  | Reviewer Comment (2025-11-03): Lease agreement and justification to use the lease agreement for the REO provided. DTI meets the guideline requirements. | 11/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9613634 | [Redact] | [Redact] | 34837821 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-11-03): Guaranty Agreement provided<br>Seller Comment (2025-10-31): guarantor agreement | 11/03/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9613634 | [Redact] | [Redact] | 34839311 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing the mortgage statement and other documentation to verify the PITIA for the guarantor #[Redacted]'s primary residence. |  |  |  | Reviewer Comment (2025-11-03): Received Mortgage statement. Exception Cleared.<br>Seller Comment (2025-10-30): Mortgage statement for [Redacted] | 11/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9613634 | [Redact] | [Redact] | 34839317 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing a copy of the mortgage statement for the REO to verify the PITIA. |  |  |  | Reviewer Comment (2025-11-03): Received hazard insurance. Exception Cleared.<br>Seller Comment (2025-10-30): [Redacted] loan statement | 11/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9613634 | [Redact] | [Redact] | 34839318 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The file is missing the final 1003 for the [Redacted]rd guarantor, [Redact]. |  |  |  | Reviewer Comment (2025-11-03): Final 1003 provided<br>Seller Comment (2025-10-31): 1003-[Redacted] | 11/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9613634 | [Redact] | [Redact] | 34839323 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | The file is missing a copy of the fully executed Occupancy Cert or Business Purpose Cert to test the Investment loan as Exempt. |  |  |  | Reviewer Comment (2025-11-03): Business Purpose Cert/Occupancy Cert provided<br>Seller Comment (2025-10-31): Business purpose | 11/03/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9613634 | [Redact] | [Redact] | 34839329 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank [Redacted]): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2025-11-03): Business purpose/Occupancy cert provided and loan was tested as Exempt | 11/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9613634 | [Redact] | [Redact] | 34885880 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Upon further review, the file is missing a copy of the Closing Statement/HUD verifying the REO property identified on the [Redacted]was sold and the mortgage was paid in full. |  |  |  | Reviewer Comment (2025-11-18): Received closing statement. Exception Cleared.<br>Seller Comment (2025-11-17): Please see attached for the closing statement | 11/18/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9613642 | [Redact] | [Redact] | 34573776 |  | 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 (2025-11-20): Waived on Rate Lock: Collateral cleared by Custodian | 11/20/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9613642 | [Redact] | [Redact] | 34945224 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/10/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9613792 | [Redact] | [Redact] | 34575112 |  | 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 (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian | 11/06/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9613792 | [Redact] | [Redact] | 34895234 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure was provided at closing |  |  |  | Reviewer Comment (2025-11-04): Sufficient Cure Provided At Closing |  | 11/04/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9613842 | [Redact] | [Redact] | 34575884 |  | 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 (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian | 11/06/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9606093 | [Redact] |  | 34605676 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) [Redact] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or[Redacted]%. Compliant Higher Priced Loan. |  |  |  |  |  |  |  | 10/02/2025 | 2 B |  | [Redact] | Primary | Purchase | No obvious cure B A | Non QM | Non QM | No |
| [Redact] | 9606096 | [Redact] |  | 34607320 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | The file is missing a copy of the E-sign agreement. |  |  |  | Reviewer Comment (2025-10-09): E-consent provided<br>Seller Comment (2025-10-08): initial disclosures with e-consent | 10/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 9606096 | [Redact] |  | 34607332 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | The file is missing a copy of the Title. |  |  |  | Reviewer Comment (2025-10-13): Received Title commitment. Exception Cleared.<br>Seller Comment (2025-10-09): prelim<br>Reviewer Comment (2025-10-09): Title commitment provided was not for the subject loan<br>Seller Comment (2025-10-08): prelim | 10/13/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 9606096 | [Redact] |  | 34607334 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | The file is missing a copy of the initial 1003. |  |  |  | Reviewer Comment (2025-10-09): Initial 1003 provided<br>Seller Comment (2025-10-08): initial 1003 in the "initial disclosure package" uploaded | 10/09/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 9606096 | [Redact] |  | 34607336 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | The file is missing a copy of the Approval. |  |  |  | Reviewer Comment (2025-10-13): Received Approval. Exception Cleared.<br>Seller Comment (2025-10-09): approval | 10/13/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 9606096 | [Redact] |  | 34607337 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Creditor Application Date Source not provided |  |  |  |  |  | Reviewer Comment (2025-10-09): Initial 1003 provided<br>Seller Comment (2025-10-08): please clarify? | 10/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 9606096 | [Redact] |  | 34607339 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The file is missing a copy of the hazard insurance policy. |  |  |  | Reviewer Comment (2025-10-09): HOI provided<br>Seller Comment (2025-10-08): Insurance RCE<br>Seller Comment (2025-10-08): hazard insurance | 10/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 9606096 | [Redact] |  | 34607342 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing a copy of the Tax Certificate. |  |  |  | Reviewer Comment (2025-10-09): Tax Cert provided<br>Seller Comment (2025-10-08): tax cert | 10/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 9606096 | [Redact] |  | 34607343 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | The file is missing a copy of the Purchase agreement. |  |  |  | Reviewer Comment (2025-10-09): Purchase Agreement provided<br>Seller Comment (2025-10-08): contract | 10/09/2025 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 9606096 | [Redact] |  | 34607345 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Originator Application Date Source not provided |  |  |  |  |  | Reviewer Comment (2025-10-09): Initial 1003 provided<br>Seller Comment (2025-10-08): 1008 | 10/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 9606096 | [Redact] |  | 34607346 |  | 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 (2025-10-09): 1008 provided<br>Seller Comment (2025-10-08): 1008 | 10/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 9606096 | [Redact] |  | 34607350 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Buyer Comment (2025-10-06): Initial and Final Grade B, accepted |  |  | 10/06/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B A C | Non QM | Non QM | Yes |
| [Redact] | 9606096 | [Redact] |  | 34607351 |  | Compliance | Compliance | Federal Compliance | Compliance | Unable to Combine Appraisal and Appraisal Management Company Fee for Tolerance Testing | Unable to combine Appraisal Fee and Appraisal Management Company Fee for purposes of tolerance testing. |  |  |  |  | Reviewer Comment (2025-10-09): Initial LE and CD provided | 10/09/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 9606096 | [Redact] |  | 34607353 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank [Redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | Reviewer Comment (2025-10-09): Disclosure provided<br>Seller Comment (2025-10-08): this document is in the "initial disclosures" that was uploaded for diligence finding<br>Seller Comment (2025-10-08): List of Homeownership Counseling Organizations Missing in initial disclosures | 10/09/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 9606096 | [Redact] |  | 34607355 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. |  |  |  | Reviewer Comment (2025-10-09): Initial LE provided<br>Seller Comment (2025-10-08): this document is in the "initial disclosures" that was uploaded for diligence finding | 10/09/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | Good faith redisclosure D B A C | Non QM | Non QM | Yes |
| [Redact] | 9606096 | [Redact] |  | 34607356 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three[Redacted]business days prior to closing. |  |  |  | Reviewer Comment (2025-10-09): [Redacted] received [Redacted] CD received 3 business days prior to Consummation.<br>Seller Comment (2025-10-08): initial CD | 10/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| [Redact] | 9606096 | [Redact] |  | 34607357 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after [Redact], no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $[Redacted] may be required. | Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $[Redacted] may be required. |  |  |  | Reviewer Comment (2025-10-09): [Redacted] Received Initial Loan estimate.<br>Seller Comment (2025-10-08): this document is in the "initial disclosures" that was uploaded for diligence finding | 10/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| [Redact] | 9606108 | [Redact] |  | 34606628 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Buyer Comment (2025-10-06): Initial and Final Grade B, accepted |  |  | 10/06/2025 | 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 |
| [Redact] | 9606095 | [Redact] |  | 34611574 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-10-23): Revised appraisal provided and appraiser confirmed no sales within the last 3 years | 10/23/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9606095 | [Redact] |  | 34611575 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted](an overage of $[Redacted] or .[Redacted]%). | Compliant Higher Priced Mortgage Loan. |  |  |  | Buyer Comment (2025-10-06): Initial and Final Grade B, accepted |  |  | 10/06/2025 | 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 |
| [Redact] | 9606095 | [Redact] |  | 34611578 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-10-14): Proof of receipt of prelim appraisal provided | 10/14/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9606095 | [Redact] |  | 34611579 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank [Redacted]): Flipped Property - Creditor did not obtain two [Redacted] written appraisals. | CDA not provided in file (with in 12 months property sold) |  |  |  | Reviewer Comment (2025-10-23): Revised appraisal provided and appraiser confirmed no sales within the last 3 years<br>Seller Comment (2025-10-21): corrected appraisal<br>Reviewer Comment (2025-10-14): The condition is valid and has been vetted with the [Redacted] compliance department. The HPML Flipped testing is based off of the seller's original purchase date and price and the contract price. Two full appraisals should have been obtained at or prior to closing. Condition remains<br>Seller Comment (2025-10-13): The subject was a new build by national homebuilder, Pulte. The contract was executed in [Redacted], the deal closed in [Redacted], after the home was built. The way a large builder works is they go buy a huge piece on land, then subdivide into buildable lots. Pulte does this work, they did not acquire the lot from another company. Our borrower is the only owner of this home. It would be impossible to determine the sellers acquisition cost of the lot, since that's what was transferred from one division of the company to another. This is not a flip.<br>Reviewer Comment (2025-10-09): The appraisal identified a prior sale on [Redacted] for $[Redacted]. As-is, the condition is valid and the file was a HPML Flipped transaction. Provide documentation verifying the prior sales price on [Redacted] to perform additional testing. Note: the HPML Flipped testing is applicable on new construction and if the prior sale was for the lot, the testing applies based on the sales price. Condition remains<br>Seller Comment (2025-10-08): a CDA is not required...loan is not a flip, Please clarify | 10/23/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9606095 | [Redact] |  | 34611580 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-10-14): Proof of receipt of prelim appraisal provided<br>Seller Comment (2025-10-13): appraisal delivery<br>Reviewer Comment (2025-10-09): Creditor did not provide a copy of valuation to applicant three (3) business days prior to consummation. Exception Remains.<br>Seller Comment (2025-10-07): appraisal receipt 3 days | 10/14/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9606095 | [Redact] |  | 34727861 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [Redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  | 10/14/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9606131 | [Redact] |  | 34617621 |  | 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. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR-specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-09): Clarification provided; borrower switched accounts used for income and there are < [Redacted] months available for the new account. | 10/09/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| [Redact] | 9606131 | [Redact] |  | 34617622 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank [Redacted]): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. The file only contains 8 months statements for the account ending in xx[Redacted]. The guidelines require 12 months. |  |  |  | Reviewer Comment (2025-10-09): Clarification provided; borrower switched accounts used for income and there are < [Redacted] months available for the new account.<br>Seller Comment (2025-10-07): The [Redacted] account was the previous account, which we have [Redacted] months for since they didn't close that account. They switched to [Redacted] [Redacted] with a new open account [Redacted]. The slowly stopped depositing in the [Redacted] account and moved it to the [Redacted] account. The bank relationship moved. we provided 12 months of [Redacted] and supplemented with the [Redacted] account.<br>Seller Comment (2025-10-07): hello. 12 months of bank statements are not required for account [Redacted] ending xx[Redacted]..we have [Redacted] months for account [Redacted] #[Redacted], [Redacted] months for [Redacted] which was opened [Redacted] - [Redacted] plus a transaction detail to [Redacted]. You should have all the statements. Please advise | 10/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9606131 | [Redact] |  | 34617623 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require 12 or more Months | Ability to Repay (Dodd-Frank [Redacted]): Guidelines require 12 or more consecutive months bank statements. | Guidelines require 12 or more consecutive months of bank statements. |  |  |  | Reviewer Comment (2025-10-09): Clarification provided; borrower switched accounts used for income and there are < [Redacted] months available for the new account. | 10/09/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9606131 | [Redact] |  | 34617624 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require 12 or more Months | Ability to Repay (Dodd-Frank [Redacted]): Guidelines require 12 or more consecutive months bank statements. | Guidelines require 12 or more consecutive months of bank statements. Only [Redacted]months were provided for the [Redacted] account. |  |  |  | Reviewer Comment (2025-10-22): Revised UW income calc worksheet provided using [Redacted] months income from the new account and [Redacted] months from the prior account. | 10/22/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9606131 | [Redact] |  | 34617625 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [Redacted]): General Ability-to-Repay requirements not satisfied. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR-specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-09): Clarification provided; borrower switched accounts used for income and there are < [Redacted] months available for the new account. | 10/09/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9606131 | [Redact] |  | 34618096 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | The file is missing a copy of the Title Preliminary or Commitment. |  |  |  | Reviewer Comment (2025-10-07): Received Title Commitment. Exception Cleared.<br>Seller Comment (2025-10-03): prelim | 10/07/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9606131 | [Redact] |  | 34618146 |  | 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 Loan Underwriting and Transmittal Summary (1008) / MCAW. |  |  |  | Reviewer Comment (2025-10-07): Received 1008. Exception Cleared.<br>Seller Comment (2025-10-03): 1008 | 10/07/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9606131 | [Redact] |  | 34618331 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2025-10-09): Clarification provided; borrower switched accounts used for income and there are < [Redacted] months available for the new account. | 10/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9606131 | [Redact] |  | 34687241 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Clarification provided; borrower switched accounts used for income and there are < [Redacted]months available for the new account. |  |  |  | Reviewer Comment (2025-10-22): Revised UW income calc worksheet provided using [Redacted] months income from the new account and [Redacted] months from the prior account. | 10/22/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [Redact] | 9606131 | [Redact] |  | 34687244 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require Less than 12 Months | Ability to Repay (Dodd-Frank [Redacted]): Guidelines require less than 12 consecutive months bank statements. | Clarification provided; borrower switched accounts used for income and there are < [Redacted] months available for the new account. |  |  |  | Reviewer Comment (2025-10-22): Revised UW income calc worksheet provided using [Redacted] months income from the new account and [Redacted] months from the prior account.<br>Seller Comment (2025-10-20): hello please find attached updated worksheet<br>Reviewer Comment (2025-10-14): This condition is valid and will remain open. Less than [Redacted] months bank statements used for income does not met general ATR requirements.<br>Seller Comment (2025-10-13): hi this have been escalated with [Redacted] at [Redacted]. We have [Redacted] months bank statements<br>Reviewer Comment (2025-10-10): This condition is valid and will remain open. Less than [Redacted] months bank statements used for income does not met general ATR requirements.<br>Seller Comment (2025-10-09): hi this should be cleared with explanation as well. please advise | 10/22/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9603570 | [Redact] |  | 34636710 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 10/07/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9603570 | [Redact] |  | 34636716 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing a copy of the Tax Certificate. |  |  |  | Reviewer Comment (2025-10-31): Received Tax Certificate. Exception Cleared.<br>Seller Comment (2025-10-29): The tax cert in file supports $[Redacted] per month. Please see revised 1008, 1003 and AUS to match.<br>Reviewer Comment (2025-10-23): Required calculation and source document for taxes used $[Redacted] used to qualify. Exception Remains.<br>Seller Comment (2025-10-21): I acknowledge the reviewer's comment but what is the risk? At worst this is non-material. since we qualifed with more than we verified.<br>Reviewer Comment (2025-10-17): Provided tax certificate reflecting taxes were less than actual taxes used to qualify. Exception Remains.<br>Seller Comment (2025-10-15): Tax Cert | 10/31/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9603570 | [Redact] |  | 34636723 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 10/07/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9603579 | [Redact] |  | 34658543 |  | 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 Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 10/08/2025 | 2 B |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9603579 | [Redact] |  | 34665567 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page[Redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. | The difference is due to the title costs in section C of the post-close CD issued [Redacted] increased by $[Redacted] from the fees in section C of the final CD. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under-disclosed equivalent amount, and Corrected CD. |  |  |  | Reviewer Comment (2025-11-10): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Seller Comment (2025-11-07): cure<br>Reviewer Comment (2025-10-29): [Redacted] received rebuttal that TOP calculations align with the [Redacted] PCCD. However, the Final CD issued [Redacted] was underdisclosed to borrower over tolerance and cure would be due. [Redacted] CD reflects Section D fee totals of $[Redacted] and the subsequenct [Redacted] PCCD then increased these fees to $[Redacted]. At closing the TOP was underdisclosed. Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $[Redacted] and proof of mailing would be required to cure.<br>Seller Comment (2025-10-28): response |  | 11/10/2025 |  | 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 (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9603579 | [Redact] |  | 34673667 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 |  | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. |  |  |  | Reviewer Comment (2025-10-13): Secondary valuation obtained | 10/13/2025 |  |  | 1 A D |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9603579 | [Redact] |  | 34690377 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - [Redacted]Days |  |  |  | Reviewer Comment (2025-10-13): Secondary valuation obtained<br>Reviewer Comment (2025-10-13): Valuation Received - [Redacted] | 10/13/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9603586 | [Redact] |  | 34655696 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing copy of Fraud Report. |  |  |  | Reviewer Comment (2025-10-12): Received fraud report. Exception Cleared.<br>Seller Comment (2025-10-09): Fraud report uploaded<br>Seller Comment (2025-10-09): Fraud Report | 10/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9603586 | [Redact] |  | 34655723 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The file was missing copy of Fraud Report |  |  |  | Reviewer Comment (2025-10-12): Received fraud report. Exception Cleared.<br>Seller Comment (2025-10-09): Fraud | 10/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9603586 | [Redact] |  | 34655794 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. |  |  |  |  |  |  | 10/07/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9603586 | [Redact] |  | 34671990 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. |  | The appraisal was not performed for the subject transaction. The appraisal was performed for the original purchase of the property. Provide a copy of the appraisal performed for the refinance transaction. |  |  |  | Reviewer Comment (2025-10-17): Upon further review, FNMA guide allow the use of the appraisal on the prior transaction to be used with certain requirements. All requirements were met. | 10/17/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9603586 | [Redact] |  | 34671991 |  | Credit | Guideline | Guideline Issue | Guideline | The Subject Property was listed for sale at the time of loan application and the file does not contain evidence the property was taken off the market on or before the loan disbursed. |  | The appraisal was not performed for the subject transaction. The appraisal was performed for the original purchase of the property and the property was listed at inspection. Provide a copy of the appraisal performed for the refinance transaction. |  |  |  | Reviewer Comment (2025-10-17): Upon further review, FNMA guide allow the use of the appraisal on the prior transaction to be used with certain requirements. All requirements were met. | 10/17/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9603586 | [Redact] |  | 34671992 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | The owner on the appraisal is incorrect. |  | The appraisal was not performed for the subject transaction. The appraisal was performed for the original purchase of the property and the borrowers were not identified as the owner of the property. Provide a copy of the appraisal performed for the refinance transaction. |  |  |  | Reviewer Comment (2025-10-17): Upon further review, FNMA guide allow the use of the appraisal on the prior transaction to be used with certain requirements. All requirements were met.<br>Seller Comment (2025-10-15): FNMA B4-[Redacted] does allow the use of an appraisal on a subsequent transaction. Please see attached. | 10/17/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9603586 | [Redact] |  | 34672000 |  | Credit | Title | Lien | Title | Missing evidence of lien position on Other Financing. |  | The title commitment did not identify the lien being paid off on the CD. |  |  |  | Reviewer Comment (2025-10-29): Received property history report. Exception Cleared.<br>Seller Comment (2025-10-27): The Neighborhood Loan is the first mortgage on the list.<br>Reviewer Comment (2025-10-17): The property history report does not identify the lien that was paid off at closing, only the subject lien. Additional documentation from the title company is required. Condition remains<br>Seller Comment (2025-10-15): I acknowledge the reviewer's comments. I believe the title work in file was for the previous purchase transaction with Neighborhood Loans. Please see the attached property profile which confirms the loan with [Redacted] was recorded. | 10/29/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9603586 | [Redact] |  | 34672007 |  | 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 VOM for the mortgage paid off at closing, required per the guides for investment properties. |  |  |  | Reviewer Comment (2025-11-11): Received Note. Exception Cleared.<br>Seller Comment (2025-11-07): The loan that was paid off through closing was #[Redacted]. Attached, please find the Note for #[Redacted]. The first payment due was [Redacted] and the subject loan closed in [Redacted] so there is no payment history.<br>Reviewer Comment (2025-10-29): Required VOM for the mortgage ($[Redacted]) paid off at closing. Exception Remains.<br>Seller Comment (2025-10-27): Please see Note, first payment due [Redacted]. Loan closed in [Redacted].<br>Reviewer Comment (2025-10-17): Provide a copy of the Note or mortgage statement/pay history verifying a payment was not due prior to the subject loan. Condition remains<br>Seller Comment (2025-10-15): Borrower purchased the home and obtained financing with Neighborhood Loans in [Redacted], first payment date would be [Redacted]. The subject loan closed in [Redacted], therefore there would be no VOM. | 11/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9603588 | [Redact] |  | 34625473 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file was missing a copy of the Tax certificate used to qualify the borrower as the annual taxes on the title are less than what the lender calculated. |  |  |  | Reviewer Comment (2025-10-31): Received Tax Certificate. Exception Cleared.<br>Seller Comment (2025-10-29): Please see email from Settlement Agent and revised docs.<br>Reviewer Comment (2025-10-22): Required tax certification or tax calculation sheet to clear this condition. Exception Remains.<br>Seller Comment (2025-10-21): The closing agent is responsible for gathering the documentation to determine how much should be collected at closing. I've never known anyone to not accept the final CD as verification of taxes and insurance. Please note, this is new construction so the taxes have not been assessed. It's reasonable that a closing agent would know the tax rate and would collect a reasonable amount of taxes.<br>Reviewer Comment (2025-10-20): The CD cannot be used to verify the tax amount used to qualify. Documentation is required to determine the amount the lender calculated to use on the CD. Condition remains<br>Seller Comment (2025-10-16): Per the final CD, taxes in the amount of $[Redacted] per month were collected. This is the amount used to qualify. | 10/31/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9603588 | [Redact] |  | 34625498 |  | Compliance | Compliance | State Compliance | Misc. State Level | [Redact] Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | [Redact] Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | The file is missing a copy of the Acknowledgement of Receipt of Home Mortgage Loan Information Document signed by the borrower. |  |  |  | Buyer Comment (2025-11-14): Initial and Final Grade B, accepted<br>Reviewer Comment (2025-10-30): Provided documents is not acceptable as signed not visible on document. Exception Remains.<br>Seller Comment (2025-10-28): [Redacted]: Please review the uploaded document. Please note that the borrower's acknowledgement is reflected at the bottom of the pages with their intials. |  |  | 11/14/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9603588 | [Redact] |  | 34625501 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. However, there was a lender credit to cover the cost to cure. |  |  |  | Reviewer Comment (2025-10-02): Sufficient Cure Provided At Closing |  | 10/02/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9603588 | [Redact] |  | 34625506 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted]% tolerance was exceeded by $[Redacted] due to increase of recording fee. However, there is a lender credit to cover the cost to cure. |  |  |  | Reviewer Comment (2025-10-02): Sufficient Cure Provided At Closing |  | 10/02/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9614920 | [Redact] | [Redact] | 34581815 |  | 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 (2025-11-20): Waived on Rate Lock: Collateral cleared by Custodian | 11/20/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9614920 | [Redact] | [Redact] | 35003255 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | High cost due to points and fees. |  |  |  | Reviewer Comment (2025-11-18): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/18/2025 | 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 |
| [Redact] | 9614920 | [Redact] | [Redact] | 35003257 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-20): [Redacted] Received lock dated [Redacted] along with supporting comments on the exception.<br>Seller Comment (2025-11-19): [Redacted] [Redacted] On [Redacted] there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Final Cost to the Borrower of [Redacted]% or $[Redacted]. Please see attached lock confirmation and Closing Disclosure. | 11/20/2025 |  |  | 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 |
| [Redact] | 9614920 | [Redact] | [Redact] | 35003258 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-20): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-11-19): [Redacted] [Redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal 2 Fee. | 11/20/2025 |  |  | 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 |
| [Redact] | 9614920 | [Redact] | [Redact] | 35023565 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-20): Sufficient Cure Provided At Closing |  | 11/20/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9615017 | [Redact] | [Redact] | 34582189 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9615017 | [Redact] | [Redact] | 34894012 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  |  |  | Reviewer Comment (2025-11-19): Client elected to waive the condition<br>Reviewer Comment (2025-11-19): Elevated to the client for review<br>Seller Comment (2025-11-17): Any update on this condition. Is it waived.<br>Reviewer Comment (2025-11-12): The Flood Cert was obtained on [Redacted], it is expected that the disclosure was provided to the borrower at the time of the flood determination. The deal settings are set to confirm the disclosure was received at least [Redacted] days prior to closing. Elevating to the client to review for a possible exception waiver for the disclosure being provided less than [Redacted] days prior to closing.<br>Seller Comment (2025-11-11): The flood Cert and Notice was sent to the borrower on [Redacted] and the signed it [Redacted] which is [Redacted] days prior to closing date of [Redacted]. This is reasonable time. |  |  | 11/19/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9615313 | [Redact] | [Redact] | 34583395 |  | 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 (2025-11-03): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-30): Original Note delivered [Redacted] [Redacted] #[Redacted] | 11/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9615313 | [Redact] | [Redact] | 34797660 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  |  |  |  |  | Reviewer Comment (2025-10-31): Received 1040 Transcript. Exception Cleared.<br>Seller Comment (2025-10-30): transcripts upld | 10/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9615313 | [Redact] | [Redact] | 34797661 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  |  |  |  |  | Reviewer Comment (2025-10-31): Received 1040 Transcript. Exception Cleared.<br>Seller Comment (2025-10-30): transcripts upld to trl docs. | 10/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9615313 | [Redact] | [Redact] | 34801637 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | The file was missing Approval. |  |  |  | Reviewer Comment (2025-10-31): Received Approval. Exception Cleared.<br>Seller Comment (2025-10-30): 1008 upld | 10/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9615313 | [Redact] | [Redact] | 34801642 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing Fraud Report |  |  |  | Reviewer Comment (2025-10-31): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-10-30): fraud upld | 10/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9615313 | [Redact] | [Redact] | 34801644 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | The file was missing Loan Underwriting and Transmittal Summary (1008) / MCAW |  |  |  | Reviewer Comment (2025-10-31): Received Loan Underwriting and Transmittal Summary (1008). Exception Cleared.<br>Seller Comment (2025-10-30): 1008 upld to trl docs | 10/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9615313 | [Redact] | [Redact] | 34801646 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | The file was missing Purchase Agreement / Sales Contract |  |  |  | Reviewer Comment (2025-10-31): Received Purchase Agreement. Exception Cleared.<br>Seller Comment (2025-10-30): sales contract upld | 10/31/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9615313 | [Redact] | [Redact] | 34801648 |  | Credit | Compliance | Miscellaneous Compliance | Compliance | Missing Document: Loan Estimate not provided |  | The file was missing Loan Estimate |  |  |  | Reviewer Comment (2025-11-03): Initial and re-disclosed LE's were provided<br>Seller Comment (2025-10-30): le's upld | 11/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9615313 | [Redact] | [Redact] | 34801653 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2025-10-31): Received Title Final. Exception Cleared. | 10/31/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9615313 | [Redact] | [Redact] | 34801658 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The file was missing Fraud Report. |  |  |  | Reviewer Comment (2025-10-31): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-10-30): fraud upld to trl docs | 10/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9615313 | [Redact] | [Redact] | 34801689 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | No documentation in file to evidence receipt of appraisal by the borrowers. |  |  |  | Reviewer Comment (2025-11-03): Received right to receive copy. Exception Cleared.<br>Seller Comment (2025-10-30): right to rcv aprls upld | 11/03/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9615313 | [Redact] | [Redact] | 34804672 |  | 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 [Redacted]. |  |  |  |  |  |  | 10/28/2025 | 2 B |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9615313 | [Redact] | [Redact] | 34837542 |  | 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 (2025-10-31): Received Title Final. Exception Cleared.<br>Seller Comment (2025-10-30): final policy upld | 10/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9615793 | [Redact] | [Redact] | 34585004 |  | 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 (2025-11-11): Waived on Rate Lock: Collateral cleared by Custodian | 11/11/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9615793 | [Redact] | [Redact] | 34866098 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/05/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9615793 | [Redact] | [Redact] | 34866099 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. |  |  |  |  |  |  | 11/05/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9615793 | [Redact] | [Redact] | 34866101 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-31): Sufficient Cure Provided At Closing |  | 10/31/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9615794 | [Redact] | [Redact] | 34585208 |  | 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 (2025-11-11): Waived on Rate Lock: Collateral cleared by Custodian | 11/11/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9651571 | [Redact] | [Redact] | 34585733 |  | 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 (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian | 11/06/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9651571 | [Redact] | [Redact] | 34888402 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three[Redacted] business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three [Redacted]business days of application or determination of first lien status. |  |  |  | Reviewer Comment (2025-11-11): Received right to receive copy of appraisal. Exception Cleared.<br>Seller Comment (2025-11-07): Please disregard previous upload with incorrect borrower, the current attachment has the verbiage on page 2<br>Seller Comment (2025-11-07): See attached<br>Reviewer Comment (2025-11-07): Provided document does not have verbiage of Right to Receive a Copy. Exception Remains.<br>Seller Comment (2025-11-05): Please see attached sent with initial disclosures and proof of delivery | 11/11/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9651582 | [Redact] | [Redact] | 34585869 |  | 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 (2025-12-04): Waived on Rate Lock: Collateral cleared by Custodian | 12/04/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9651582 | [Redact] | [Redact] | 35069568 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]1% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | High cost due to points and fees. |  |  |  | Reviewer Comment (2025-11-25): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/25/2025 | 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 |
| [Redact] | 9651580 | [Redact] | [Redact] | 34585872 |  | 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 (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian | 11/06/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9651580 | [Redact] | [Redact] | 34858493 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___<br> ___ | Required supporting document for other remaning expenses used to qualify. |  |  |  | Reviewer Comment (2025-11-17): Documentation to verify the PITIA was provided and a revised 1003 matches the amounts documented.<br>Seller Comment (2025-11-13): [Redacted] [Redacted]: corrected 1003 provided with updated expenses to match docs previously provided, no additional expenses<br>Reviewer Comment (2025-11-11): Provided documents already present in file. Required supporting documents to verify other expenses or revised 1003 to clear this condition. Exception Remains.<br>Seller Comment (2025-11-07): [Redacted] [Redacted]: All REO docs attached | 11/17/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9651580 | [Redact] | [Redact] | 34858531 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three [Redacted]business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/04/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9651580 | [Redact] | [Redact] | 34858532 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three [Redacted]business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/04/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9651580 | [Redact] | [Redact] | 34858535 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-10-31): Sufficient Cure Provided At Closing |  | 10/31/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9651580 | [Redact] | [Redact] | 34858536 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-10-31): Sufficient Cure Provided At Closing |  | 10/31/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9651580 | [Redact] | [Redact] | 34858570 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guideline state funds from a business account may be used for down payment and reserves if the borrower is the sole owner of the company and company CPA provides a statement indicating the withdrawal of the funds will not negatively impact the business. The borrower would like to use business funds from [Redacted] ([Redacted]% owner) and [Redacted] ([Redacted]% owner). The CPA confirmed the withdrawal of funds will not negatively impact the business and attestation has been provided by the other business owners to use the business funds. Compensating factors: FICO [Redacted], residual income $[Redacted] and [Redacted]-months reserves. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | [Redacted] DTI is [Redacted] below max ([Redacted]). | [Redact],Aggregator | Reviewer Comment (2025-11-04): Client elects to waive with compensating factors:<br> [Redacted] LTV is [Redacted] below max ([Redacted]). <br> [Redacted]MM REO equity. <br> [Redacted] DTI is [Redacted] below max ([Redacted]). |  |  | 11/04/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9651572 | [Redact] | [Redact] | 34585880 |  | 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 (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian | 11/05/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9606122 | [Redact] |  | 34641362 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Buyer Comment (2025-10-06): Initial and Final Grade B, accepted |  |  | 10/06/2025 | 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 |
| [Redact] | 9606118 | [Redact] |  | 34644535 |  | 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 (2025-10-10): Received project approval. Exception Cleared.<br>Seller Comment (2025-10-08): complete condo form | 10/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9652788 | [Redact] | [Redact] | 34591865 |  | 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 (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian | 11/06/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9652788 | [Redact] | [Redact] | 34880158 |  | 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 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). |  |  |  |  |  |  | 11/04/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9652791 | [Redact] | [Redact] | 34592181 |  | 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 (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian | 11/27/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9652791 | [Redact] | [Redact] | 35041736 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | This file was missing copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [Redacted] days of closing must be provided. |  |  |  | Reviewer Comment (2025-12-01): Received VVOE. Exception Cleared.<br>Seller Comment (2025-11-28): VOEs | 12/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9652793 | [Redact] | [Redact] | 34592286 |  | 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 (2025-11-13): Waived on Rate Lock: Collateral cleared by Custodian | 11/13/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9652793 | [Redact] | [Redact] | 34913188 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three [Redacted] business days prior to consummation | Corrected Closing Disclosure provided on or after [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three [Redacted] business days prior to consummation |  |  |  | Reviewer Comment (2025-11-21): [Redacted] received proof of receipt.<br>Reviewer Comment (2025-11-11): Last CD received three or more days prior to closing was received on [Redacted] and the APR was [Redacted]%.<br>Seller Comment (2025-11-10): initial cd uploaded. | 11/21/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| [Redact] | 9652793 | [Redact] | [Redact] | 34913191 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Discount Points Fee was last disclosed as $[Redacted] on LE but disclosed as [Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-02): [Redacted] received valid COC document<br>Seller Comment (2025-12-02): See attached LOX for APR increase.<br>Reviewer Comment (2025-12-01): [Redacted] upon review the cure require for the loan discount increase is $[Redacted]. Therefore, kindly provide a valid COC for the fee increase or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Seller Comment (2025-12-01): What is the cure amount requested for this suspense?<br>Reviewer Comment (2025-11-10): [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the APR has changed. In order to determine if the changed circumstance is valid more information is necessary on reason APR changed and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check.<br>Seller Comment (2025-11-10): see attached CIC's | 12/02/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | 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 |
| [Redact] | 9652793 | [Redact] | [Redact] | 34913222 |  | 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 Title Policy Amount of $[Redacted]is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 11/08/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9652905 | [Redact] | [Redact] | 34594210 |  | 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 (2025-10-22): Waived on Rate Lock: Collateral cleared by Custodian | 10/22/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9652905 | [Redact] | [Redact] | 34754430 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/17/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9652905 | [Redact] | [Redact] | 34754433 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Right to Cancel was not provided. |  |  |  | Reviewer Comment (2025-11-20): Rescission re-opened. NORTC, LOE, and proof of receipt provided.<br>Seller Comment (2025-11-18): Please see attached Right to Cancel, Letter of Explanation, and [Redacted] label reflecting that the Right to Cancel period was reopened<br>Reviewer Comment (2025-11-05): Mailing label confirmed the NORTC was received on [Redacted], therefore the anticipated expiration date is [Redacted]. The NORTC provided has an expiration date of [Redacted] and the borrower was not provided the full three day rescission. Rescission is required to be re-opened and the condition cannot be cured until the expiration date expires and the documentation confirms the borrowers were given a full three day rescission. Condition remains<br>Seller Comment (2025-11-03): Please see attached Right to Cancel, Letter of Explanation, and [Redacted] label reflecting that the Right to Cancel period was reopened |  | 11/20/2025 |  | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| [Redact] | 9652905 | [Redact] | [Redact] | 34754512 |  | Compliance | Compliance | Miscellaneous Compliance | TILA | Missing Document: Right to Cancel (RTC) not provided |  | The file was missing a copy of the Right to Cancel (RTC). |  |  |  | Reviewer Comment (2025-11-20): Rescission re-opened. NORTC, LOE, and proof of receipt provided.<br>Seller Comment (2025-11-18): Please see attached Right to Cancel, Letter of Explanation, and [Redacted] label reflecting that the Right to Cancel period was reopened<br>Reviewer Comment (2025-11-05): Mailing label confirmed the NORTC was received on [Redacted], therefore the anticipated expiration date is [Redacted]. The NORTC provided has an expiration date of [Redacted] and the borrower was not provided the full three day rescission. Rescission is required to be re-opened and the condition cannot be cured until the expiration date expires and the documentation confirms the borrowers were given a full three day rescission. Condition remains<br>Seller Comment (2025-11-03): Please see attached Right to Cancel, Letter of Explanation, and [Redacted] label reflecting that the Right to Cancel period was reopened |  | 11/20/2025 |  | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes |
| [Redact] | 9652907 | [Redact] | [Redact] | 34594213 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9652910 | [Redact] | [Redact] | 34594415 |  | 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 (2025-11-21): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-19): Note tracking is [Redacted] | 11/21/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9652910 | [Redact] | [Redact] | 34944756 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  |  |  |  |  | Reviewer Comment (2025-11-12): Received Note. Exception Cleared.<br>Seller Comment (2025-11-11): Note | 11/12/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9688383 | [Redact] | [Redact] | 34595452 |  | 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 (2025-11-13): Waived on Rate Lock: Collateral cleared by Custodian | 11/13/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9688972 | [Redact] | [Redact] | 34600938 |  | 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 (2025-11-03): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9688972 | [Redact] | [Redact] | 34786330 |  | Credit | Guideline | Guideline Issue | Guideline | A non-arm's length purchase transaction is allowed on a primary residence only. | Occupancy: ___ | Non-arms length transaction on [Redacted] property-borrower is purchasing property next door and previous business relationship with (borrower) | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Job Stability: [Redacted] years employer.<br>[Redacted] post-close reserves ([Redacted] months or [Redacted]). | [Redact]<br>[Redact]<br>Aggregator,[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-10-23): Client elected to waive the condition with the following Compensating Factors:<br> [Redacted]post-close reserves ([Redacted]months or [Redacted]). <br> [Redacted]DTI considering full subject PITIA is [Redacted]below max ([Redacted]). <br> Job Stability: [Redacted]years employer. |  |  | 10/23/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9689575 | [Redact] | [Redact] | 34602012 |  | 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 (2025-11-11): Waived on Rate Lock: Collateral cleared by Custodian | 11/11/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9689575 | [Redact] | [Redact] | 34865998 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud report |  |  |  | Reviewer Comment (2025-11-12): Fraud Report provided<br>Seller Comment (2025-11-11): (Rate Lock) Fraud Report | 11/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9689575 | [Redact] | [Redact] | 34865999 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | No evidence of fraud report in file. |  |  |  | Reviewer Comment (2025-11-12): Fraud Report provided<br>Seller Comment (2025-11-11): (Rate Lock) Fraud Report | 11/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9689575 | [Redact] | [Redact] | 34866018 |  | Credit | Compliance | Miscellaneous Compliance | Compliance | Missing Document: Loan Estimate not provided |  | The file is missing a copy of Loan Estimate |  |  |  | Reviewer Comment (2025-11-12): Initial LE provided<br>Seller Comment (2025-11-11): (Rate Lock) Initial and Final LE | 11/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9689575 | [Redact] | [Redact] | 34866025 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank [Redacted]): 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 consumer. |  |  |  | Reviewer Comment (2025-11-12): Initial LE provided<br>Seller Comment (2025-11-11): (Rate Lock) Right to Receive Appraisal. Also please waive as NonQM loan | 11/12/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9689575 | [Redact] | [Redact] | 34866026 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of[Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted]0 and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total [Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] |  |  |  | Reviewer Comment (2025-11-04): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/04/2025 | 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 |
| [Redact] | 9689603 | [Redact] | [Redact] | 34602562 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9689603 | [Redact] | [Redact] | 34804479 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted][Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-10-29): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/29/2025 | 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 |
| [Redact] | 9689603 | [Redact] | [Redact] | 34804482 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-27): Sufficient Cure Provided At Closing |  | 10/27/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9689589 | [Redact] | [Redact] | 34602567 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9689589 | [Redact] | [Redact] | 34806519 |  | 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 Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the title evidence in file. |  |  |  |  |  |  | 10/29/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9689588 | [Redact] | [Redact] | 34603232 |  | 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 (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian | 11/06/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9689606 | [Redact] | [Redact] | 34603272 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9689606 | [Redact] | [Redact] | 34891108 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] |  |  |  | Reviewer Comment (2025-11-05): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/05/2025 | 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 |
| [Redact] | 9689606 | [Redact] | [Redact] | 34891114 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | Loan Underwriting and Transmittal Summary (1008) not provided. |  |  |  | Reviewer Comment (2025-11-07): Received Loan Underwriting and Transmittal Summary (1008). Exception Cleared.<br>Seller Comment (2025-11-06): 1008 Attached | 11/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9689607 | [Redact] | [Redact] | 34603305 |  | 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 (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-04): Note Tracking is [Redacted] | 11/05/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9689607 | [Redact] | [Redact] | 34842931 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | Missing required Transcript (1040) or W-2 Transcript. |  |  |  | Reviewer Comment (2025-11-06): Received tax return transcript. Exception Cleared.<br>Seller Comment (2025-11-04): Transcripts for [Redacted] | 11/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9689607 | [Redact] | [Redact] | 34854306 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/31/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9689604 | [Redact] | [Redact] | 34603408 |  | 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 (2025-11-11): Waived on Rate Lock: Collateral cleared by Custodian | 11/11/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9689604 | [Redact] | [Redact] | 34866021 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | Missing required Transcript (1040) or W-2 Transcript. |  |  |  | Reviewer Comment (2025-11-10): For business entity W-2 Transcript. not required. Exception Cleared.<br>Seller Comment (2025-11-06): Tax Returns | 11/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9689659 | [Redact] | [Redact] | 34604291 |  | 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 (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-04): Note delivered via ups [Redacted] | 11/05/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9689659 | [Redact] | [Redact] | 34844701 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower provided appraisal waiver less than three [Redacted] business days prior to consummation. | Borrower provided appraisal waiver less than three [Redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-11-04): Client elected to waive the condition |  |  | 11/04/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9689659 | [Redact] | [Redact] | 34855038 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower provided appraisal waiver less than three [Redacted] business days prior to consummation. | Borrower provided appraisal waiver less than three [Redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-11-04): Client elected to waive the condition |  |  | 11/04/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9689668 | [Redact] | [Redact] | 34604323 |  | 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 (2025-12-05): Waived on Rate Lock: Collateral cleared by Custodian | 12/05/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9689668 | [Redact] | [Redact] | 35124436 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/03/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9689665 | [Redact] | [Redact] | 34604324 |  | 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 (2025-11-20): Waived on Rate Lock: Collateral cleared by Custodian | 11/20/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9689665 | [Redact] | [Redact] | 35003623 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Appraisal was not provided at or before closing. |  |  |  |  |  |  | 11/18/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9689665 | [Redact] | [Redact] | 35003630 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-11-24): Received Guarantor Agreement. Exception Cleared.<br>Seller Comment (2025-11-21): [Redacted] [Redacted] Please see attached Corporate Resolution showing both borrowers are part of the LLC. Only one borrower is required to sign as a member<br>Reviewer Comment (2025-11-21): Required Guarantor Agreement for co-borrower - [Redacted]. Exception Remains.<br>Seller Comment (2025-11-19): [Redacted] [Redacted] Disagree. The borrower signed the Note as a member of the LLC and as an individual. The Guarantee Agreement is not required. | 11/24/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9606105 | [Redact] |  | 34664326 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Buyer Comment (2025-10-09): Initial and Final Grade B, accepted |  |  | 10/09/2025 | 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 |
| [Redact] | 9896318 | [Redact] | [Redact] | 34611798 |  | 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 (2025-11-20): Waived on Rate Lock: Collateral cleared by Custodian<br>Buyer Comment (2025-11-18): (Rate Lock) [Redacted] delivered [Redacted]<br>Seller Comment (2025-11-18): (Rate Lock) NOTE TRACKING AS REQUESTED TO BE UPLOADED | 11/20/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9896318 | [Redact] | [Redact] | 34978248 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Verification of appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/17/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9896318 | [Redact] | [Redact] | 34978293 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted] or Replacement Cost Estimator. |  |  |  | Reviewer Comment (2025-12-03): Received updated hazard insurance policy. Exception Cleared.<br>Seller Comment (2025-12-02): (Rate Lock) EOI<br>Reviewer Comment (2025-11-18): The guidelines follow the FNMA method that is used to determine the coverage requirement. Since the appraisal did not provide the Total Estimate of Cost New, [Redacted]% of the appraised value is the insured value and coverage of at least $[Redacted] is required. The insurance is insufficient by $[Redacted]. 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 (2025-11-18): (Rate Lock) My team are still disputing this per our Operations manager comments in [Redacted]<br> HOI calculator showing the determine coverage and according to this, it should cover the loan amount. <br> The HOI policy dwelling coverage is $[Redacted] and our loan amount is $[Redacted]. <br> Caculator is from our compliance dept | 12/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9693365 | [Redact] | [Redact] | 34613032 |  | 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 (2025-10-31): Waived on Rate Lock: Collateral cleared by Custodian | 10/31/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693365 | [Redact] | [Redact] | 34808150 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | \*\*\*\*\*\*\*\*\*N/A the LLC has no income, the income from the subject is claimed on the borrowers Schedule-E the LLC was just formed [Redacted]\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* |  |  |  | Reviewer Comment (2025-11-03): Wrongly create exception. Transcript (1040) or W-2 Transcript not required. Exception Cleared.<br>Seller Comment (2025-10-30): please cancel condition, the exception information reflects n/a. The 1040 transcripts are on d0464 | 11/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693365 | [Redact] | [Redact] | 34809213 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Initial Purchase) not provided |  | The file was missing a copy of the HUD/CD (Initial Purchase). |  |  |  | Reviewer Comment (2025-11-05): HUD from initial purchase provided<br>Seller Comment (2025-11-03): cd from initial purchase upld | 11/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693365 | [Redact] | [Redact] | 34809214 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | The file was missing a copy of the Guarantor Agreement. |  |  |  | Reviewer Comment (2025-11-07): Received Guarantor Agreement. Exception Cleared.<br>Seller Comment (2025-11-05): [Redacted] signed the note as a borrower; she is not a member of the LLC but is individually obligated on the loan. Since she is already on the note, a separate guarantor agreement is not needed.<br>Please confirm that this clears the condition<br>Reviewer Comment (2025-11-03): Only borrower - [Redacted] is signed individual note. [Redacted] not signed individual. Required Guarantor Agreement for [Redacted] <br> to clear this condition. Exception Remains.<br>Seller Comment (2025-10-30): please cancel cond, agreement not required, borrower executed Note as an individual and managing member of the LLC | 11/07/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693365 | [Redact] | [Redact] | 34809215 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds for the Initial Purchase not provided |  | The file was missing a copy of the source of Funds for the Initial Purchase. |  |  |  | Reviewer Comment (2025-11-14): Proof of funds to purchase the property was provided<br>Seller Comment (2025-11-13): [Redacted] asset stment upld<br>Reviewer Comment (2025-11-10): Per section [Redacted] of your guidelines used to qualify the loan: evidence of the source of funds used to purchase must be documented as the Applicant's own and meet the requirements of these guidelines. Condition is valid and remains open<br>Seller Comment (2025-11-10): please advise what guides you are using that reflects this as being required.<br>Reviewer Comment (2025-11-05): HUD from initial purchase provided; however the source of the funds for the $[Redacted] used to purchase the property were not provided. Condition remains<br>Seller Comment (2025-11-03): cd from initial purchase upld to trl docs | 11/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693365 | [Redact] | [Redact] | 34845219 |  | 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). | There is evidence on the initial [Redacted]that the borrower intends on occupying the property as their primary residence. |  |  |  |  |  |  | 10/29/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693366 | [Redact] | [Redact] | 34613060 |  | 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 (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-03): Note tracking [Redacted] #[Redacted], original delivered [Redacted] | 11/05/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693366 | [Redact] | [Redact] | 34839252 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing verification of HOA dues for primary residence and Lease Agreement for REO at [Redacted] [Redacted]. |  |  |  | Reviewer Comment (2025-11-13): Received HOA certificate. Exception Cleared.<br>Seller Comment (2025-11-11): rebuttal uploaded<br>Reviewer Comment (2025-11-10): As per comment on page D0345 unable to verify HOA $[Redacted]. Required supporting document to verify $[Redacted] or revised 1003 to clear this condition. Exception Remains.<br>Seller Comment (2025-11-07): page 2 of the document on d0345 confirms the $[Redacted] monthly fee, please review.<br>Reviewer Comment (2025-11-06): Received lease agreement. Required HOA certificate to verify $[Redacted] or revised 1003 for property #[Redacted] to clear this condition. Exception Remains.<br>Seller Comment (2025-11-05): please review hoa lox on d0345 referencing evergreen trail, lease uploaded for [Redacted]<br>Reviewer Comment (2025-11-04): Required lease agreement for property #[Redacted] & Required supporting documents to verify $[Redacted] for property #[Redacted]. Exception Remains.<br>Seller Comment (2025-11-03): no hoa lox upld | 11/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693366 | [Redact] | [Redact] | 34839255 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-11-04): Received replacement cost estimator. Exception Cleared.<br>Seller Comment (2025-11-03): please cancel cond, email from hoi agnt confirming [Redacted]% replace cost id on d0462. | 11/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693366 | [Redact] | [Redact] | 34851897 |  | 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). | Borrower [Redacted] selected "yes" they will occupy the property as their primary residence in the declarations section of the initial [Redacted]. |  |  |  |  |  |  | 10/31/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693378 | [Redact] | [Redact] | 34613092 |  | 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 (2025-10-23): Waived on Rate Lock: Collateral cleared by Custodian | 10/23/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693378 | [Redact] | [Redact] | 34764864 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Per the final [Redacted] the borrower has $[Redacted] in expenses its unclear if this expense is HOA dues, taxes or insurance. |  |  |  | Reviewer Comment (2025-11-05): Received Tax Certificate. Exception Cleared.<br>Seller Comment (2025-11-03): (Rate Lock) Its taxes on a boat slip he has associated with his condo. Attached is the tax bill. There are no other expenses associated with it. | 11/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693378 | [Redact] | [Redact] | 34764874 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/21/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693381 | [Redact] | [Redact] | 34613328 |  | 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 (2025-11-13): Waived on Rate Lock: Collateral cleared by Custodian | 11/13/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693381 | [Redact] | [Redact] | 34915720 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/06/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693427 | [Redact] | [Redact] | 34614203 |  | 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 (2025-11-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-05): Note tracking is [Redacted] | 11/12/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693427 | [Redact] | [Redact] | 34863167 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 11/03/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693427 | [Redact] | [Redact] | 34873919 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Final CD/First Payment Letter not provided. |  |  |  | Reviewer Comment (2025-11-17): Proof of PITIA for the new loan provided<br>Seller Comment (2025-11-13): Updated 1008 and 1003 and the payment letter for [Redacted]<br>Reviewer Comment (2025-11-13): Required updated 1003 & 1008 with revised expenses to clear this condition. Exception Remains.<br>Seller Comment (2025-11-11): Per the Note, CD and for [Redacted], it was interest only however for qualifying purposes we used fully amortized P&I which is [Redacted]. The 1008 for [Redacted], show how we arrived at $[Redacted] using the fully amortized P&I.<br>Reviewer Comment (2025-11-07): Provided statement already present in file. As per final 1003 total PITI is $[Redacted] however provided document verify PITI is $[Redacted]. Required supporting document to verify remaining amount $[Redacted] or revised 1003 with updated PITI. Exception Remains.<br>Seller Comment (2025-11-05): Mortgage Statement for [Redacted] | 11/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693585 | [Redact] | [Redact] | 34616674 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9693581 | [Redact] | [Redact] | 34618468 |  | 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 (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-05): Tracking # [Redacted] | 11/06/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693581 | [Redact] | [Redact] | 34884453 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-11-04): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/04/2025 | 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 |
| [Redact] | 9693843 | [Redact] | [Redact] | 34623209 |  | 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 (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian | 11/06/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693843 | [Redact] | [Redact] | 34879952 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | The verification of employment is required and was not found in file. |  |  |  | Reviewer Comment (2025-11-09): Received VVOE. Exception Cleared.<br>Seller Comment (2025-11-06): please cancel/waive cond, the dept of defense final voe is on d0222 | 11/09/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693843 | [Redact] | [Redact] | 34879953 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Verification(s) of employment is not within 10 business days of the Note. |  |  |  | Reviewer Comment (2025-11-09): Received VVOE. Exception Cleared.<br>Seller Comment (2025-11-06): please cancel/waive cond, the dept of defense final voe is on d0222 | 11/09/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693843 | [Redact] | [Redact] | 34879995 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | Fannie Mae Points and Fees exceed allowable threshold by $[Redacted]or .[Redacted]%. |  |  |  | Reviewer Comment (2025-11-04): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/04/2025 | 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 |
| [Redact] | 9693856 | [Redact] | [Redact] | 34623501 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9693856 | [Redact] | [Redact] | 34865737 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of [Redacted] (an overage of $[Redacted] or .[Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Reviewer Comment (2025-11-04): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/04/2025 | 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. C B A | Non QM | Non QM | Yes |
| [Redact] | 9693856 | [Redact] | [Redact] | 34865740 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-10): [Redacted] received valid rebuttal comment and supporting rate lock document for the pricing changed.<br>Seller Comment (2025-11-06): [Redacted] [Redacted] [Redacted] [Redacted] Assets and liabilities were updated by underwriting on [Redacted] which Decreased the FICO to [Redacted] from [Redacted] which decreased loan level pricing adjusters. A Disclosure went out the same day to the borrower. Please see the attached Lock Confirmation and disclosure. | 11/10/2025 |  |  | 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 |
| [Redact] | 9693859 | [Redact] | [Redact] | 34623504 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9693859 | [Redact] | [Redact] | 34804246 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | The borrower signed a Late Fee Addendum to the note, this wasn't included on the Security Instrument, please provide a corrected security Instrument. |  |  |  | Reviewer Comment (2025-11-04): Late Fee Addendum not required. Exception Cleared.<br>Seller Comment (2025-10-31): [Redacted] [Redacted]: this does not need to be included on the security instrument, as it is not a Rider to the security instrument and is an addendum to the Note. | 11/04/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9693946 | [Redact] | [Redact] | 34630280 |  | 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 (2025-11-20): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-18): Delivered [Redacted] UPS [Redacted] | 11/20/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9693946 | [Redact] | [Redact] | 34932992 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  |  |  |  |  | Reviewer Comment (2025-11-18): Received tax return transcript. Exception Cleared.<br>Seller Comment (2025-11-14): transcripts | 11/18/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9694012 | [Redact] | [Redact] | 34632371 |  | 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 (2025-11-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-10): Original Note delivered [Redacted]. Tracking [Redacted]. Please advise when this will be cleared for purchase. | 11/11/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9694012 | [Redact] | [Redact] | 34870483 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/05/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9694501 | [Redact] | [Redact] | 34633127 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9694501 | [Redact] | [Redact] | 34893103 |  | 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 Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 11/06/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9694501 | [Redact] | [Redact] | 34893144 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/06/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9694501 | [Redact] | [Redact] | 34893145 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or[Redacted]%). |  |  |  |  | Reviewer Comment (2025-11-06): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/06/2025 | 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 |
| [Redact] | 9694502 | [Redact] | [Redact] | 34633128 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9694502 | [Redact] | [Redact] | 34794925 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of HOA Verification, Insurance Verification and Tax Verification for the primary residence. |  |  |  | Reviewer Comment (2025-11-11): Received Closing Disclosure. Exception Cleared.<br>Seller Comment (2025-11-10): [Redacted] [Redacted]: please see attached<br>Reviewer Comment (2025-11-03): Required mortgage statement to verify taxes & insurance amount is included in P&I to clear this condition. Exception Remains.<br>Seller Comment (2025-10-30): [Redacted] [Redacted]: please see attached | 11/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9694519 | [Redact] | [Redact] | 34634027 |  | 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 (2025-10-28): Waived on Rate Lock: Collateral cleared by Custodian | 10/28/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9694519 | [Redact] | [Redact] | 34782080 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or[Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Reviewer Comment (2025-10-24): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/24/2025 | 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 |
| [Redact] | 9694519 | [Redact] | [Redact] | 34782095 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Insurance verification and HOA document. |  |  |  | Reviewer Comment (2025-11-06): Received revised 1003. Exception Cleared.<br>Seller Comment (2025-11-04): [Redacted] [Redacted]: please see attached<br>Reviewer Comment (2025-10-29): As per final 1003 total expenses is $[Redacted] however as per tax certificate verified $[Redacted]. Required supporting documents to verify remaining $[Redacted] or revised 1003 to clear this condition. Exception Remains.<br>Seller Comment (2025-10-28): [Redacted] [Redacted]: please see attached reports. One showing this is vacant land, and the other showing that there is no HOA for this REO | 11/06/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9694518 | [Redact] | [Redact] | 34634028 |  | 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 (2025-10-23): Waived on Rate Lock: Collateral cleared by Custodian | 10/23/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9694518 | [Redact] | [Redact] | 34754726 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted[Redacted]% Points and Fees Test. Points and Fees on subject loan of[Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of[Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. |  |  |  | Reviewer Comment (2025-10-21): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/21/2025 | 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 |
| [Redact] | 9694518 | [Redact] | [Redact] | 34754730 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-17): Sufficient Cure Provided At Closing |  | 10/17/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9694521 | [Redact] | [Redact] | 34634029 |  | 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 (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian | 11/05/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9694619 | [Redact] | [Redact] | 34640669 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9694619 | [Redact] | [Redact] | 34792710 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 10/28/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9694619 | [Redact] | [Redact] | 34795477 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | The Corporate Resolution is missing in the file. |  |  |  | Reviewer Comment (2025-11-04): Received operating agreement. Exception Cleared.<br>Seller Comment (2025-10-31): [Redacted] [Redacted]: According to the Investor Flex [Redacted]-Year Fixed - [Redacted] Guidelines Multiple Member Entities with all business entity owners on the loan: [Redacted] Operating Agreement, or [Redacted] Corporate Resolution is an option. | 11/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9694658 | [Redact] | [Redact] | 34641368 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-06): (Rate Lock) Note tracking | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9694658 | [Redact] | [Redact] | 34863313 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | Reviewer Comment (2025-11-06): Received document confirming project non-warrantable. Exception Cleared.<br>Seller Comment (2025-11-04): (Rate Lock) warranty deed | 11/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9694658 | [Redact] | [Redact] | 34864371 |  | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Delayed Financing: Loan was not underwritten/priced as rate/term refinance, per guideline requirements. |  | Per approval, loan was underwritten as a cash-out refinance. |  |  |  | Reviewer Comment (2025-11-06): Received 1008. Exception Cleared.<br>Seller Comment (2025-11-04): (Rate Lock) 1008 | 11/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9694748 | [Redact] | [Redact] | 34643693 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9694750 | [Redact] | [Redact] | 34643961 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9694750 | [Redact] | [Redact] | 34926199 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing the guideline required [Redacted] months statements for account xx[Redacted] used for the co-borrower's asset depletion income. |  |  |  | Reviewer Comment (2025-11-11): Statements for the co-borrower's asset depletion income were provided<br>Seller Comment (2025-11-10): (Rate Lock) statments | 11/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9694750 | [Redact] | [Redact] | 34926208 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-11-11): Statements for the co-borrower's asset depletion income were provided<br>Seller Comment (2025-11-10): (Rate Lock) mavent | 11/11/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| [Redact] | 9694750 | [Redact] | [Redact] | 34926215 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Asset Depletion Income | Ability to Repay (Dodd-Frank [Redacted]): Unable to verity asset depletion income due to, missing Bank Statement, Verification of Deposit, Third Party Verification or Other documentation. | The file is missing the guideline required 6 months statements for account xx[Redacted] used for the co-borrower's asset depletion income. |  |  |  | Reviewer Comment (2025-11-11): Statements for the co-borrower's asset depletion income were provided<br>Seller Comment (2025-11-10): (Rate Lock) dtatments | 11/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9694750 | [Redact] | [Redact] | 34926216 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [Redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The file is missing the guideline required 6 months statements for account xx[Redacted]used for the co-borrower's asset depletion income. |  |  |  | Reviewer Comment (2025-11-11): Statements for the co-borrower's asset depletion income were provided<br>Seller Comment (2025-11-10): (Rate Lock) statements | 11/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9694750 | [Redact] | [Redact] | 34926217 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [Redacted]): General Ability-to-Repay requirements not satisfied. | The file is missing the guideline required 6 months statements for account xx[Redacted]used for the co-borrower's asset depletion income. |  |  |  | Reviewer Comment (2025-11-11): Statements for the co-borrower's asset depletion income were provided | 11/11/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9694750 | [Redact] | [Redact] | 34926316 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The file is missing the guideline required 6 months statements for account xx[Redacted]used for the co-borrower's asset depletion income. |  |  |  | Reviewer Comment (2025-11-11): Statements for the co-borrower's asset depletion income were provided<br>Seller Comment (2025-11-10): (Rate Lock) mavent<br>Seller Comment (2025-11-10): (Rate Lock) statements | 11/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9694756 | [Redact] | [Redact] | 34644043 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9694756 | [Redact] | [Redact] | 34812013 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/30/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9694756 | [Redact] | [Redact] | 34837789 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | sufficient cure was provided at closing. |  |  |  | Reviewer Comment (2025-10-28): Sufficient Cure Provided At Closing |  | 10/28/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9694755 | [Redact] | [Redact] | 34644044 |  | 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 (2025-10-29): Waived on Rate Lock: Collateral cleared by Custodian | 10/29/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9694754 | [Redact] | [Redact] | 34644047 |  | 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 (2025-12-12): Waived on Rate Lock: Collateral cleared by Custodian | 12/12/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9694781 | [Redact] | [Redact] | 34645212 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9694781 | [Redact] | [Redact] | 34785261 |  | 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 Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 10/27/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9697628 | [Redact] | [Redact] | 34654788 |  | 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 (2025-11-12): Waived on Rate Lock: Collateral cleared by Custodian | 11/12/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9697628 | [Redact] | [Redact] | 34913405 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of[Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] [Redacted] (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] |  |  |  | Reviewer Comment (2025-11-06): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/06/2025 | 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 |
| [Redact] | 9697668 | [Redact] | [Redact] | 34655602 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-11-21): (Rate Lock) [Redacted] | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9697668 | [Redact] | [Redact] | 35029091 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | [Redacted]Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). [Redacted]Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | [Redacted] Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). |  |  |  | Reviewer Comment (2025-11-20): Client elected to waive the condition on the [Redacted] |  |  | 11/20/2025 | 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 |
| [Redact] | 9697763 | [Redact] | [Redact] | 34657210 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-06): (Rate Lock) Delivered [Redacted] via [Redacted] # [Redacted] | 11/10/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9697763 | [Redact] | [Redact] | 34891992 |  | Credit | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Possible FIRREA violation, appraisal is not complete and may not offer substantial backing for value. |  | The appraisal reflects [Redacted]stories, however, this is a[Redacted]-unit townhome. |  |  |  | Reviewer Comment (2025-11-11): Received updated appraisal. Exception Cleared.<br>Seller Comment (2025-11-10): (Rate Lock) Updated appraisal | 11/11/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9697763 | [Redact] | [Redact] | 34892058 |  | 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 Second Home). | There is evidence on the initial [Redacted]that the borrower intends on occupying the property as their primary residence. |  |  |  |  |  |  | 11/04/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9697764 | [Redact] | [Redact] | 34657415 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9697764 | [Redact] | [Redact] | 35025170 |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | Lease agreement was missing in file. |  |  |  | Reviewer Comment (2025-11-27): Received Lease agreement. Exception Cleared.<br>Seller Comment (2025-11-25): Lease | 11/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9697764 | [Redact] | [Redact] | 35025189 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of [Redacted] OR<br> provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-12-03): Received RCE and policy. Exception Cleared.<br>Seller Comment (2025-12-03): Please see attached | 12/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9697869 | [Redact] | [Redact] | 34657660 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9697869 | [Redact] | [Redact] | 34862454 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Verification of Insurance Verification for the second home. |  |  |  | Reviewer Comment (2025-11-11): Received property history report. Exception Cleared.<br>Seller Comment (2025-11-10): [Redacted] - [Redacted]: Please see the attached property detail report for [Redacted]. The property is vacant land with no improvement value. An HOI policy is not applicable. | 11/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9697869 | [Redact] | [Redact] | 34862494 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted]business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/05/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9697873 | [Redact] | [Redact] | 34657662 |  | 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 (2025-10-24): Waived on Rate Lock: Collateral cleared by Custodian | 10/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9697873 | [Redact] | [Redact] | 34791713 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-24): Sufficient Cure Provided At Closing |  | 10/24/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9697873 | [Redact] | [Redact] | 34791714 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-24): Sufficient Cure Provided At Closing |  | 10/24/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9697866 | [Redact] | [Redact] | 34657685 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-20): (Rate Lock) Noite delivered on [Redacted] via [Redacted] [Redacted] | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9697866 | [Redact] | [Redact] | 34978951 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted]or Replacement Cost Estimator. |  |  |  | Reviewer Comment (2025-11-25): RCE received<br>Seller Comment (2025-11-24): (Rate Lock) Hazard RCE | 11/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9697866 | [Redact] | [Redact] | 34979076 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted]business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/17/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9697870 | [Redact] | [Redact] | 34657856 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-21): UPS Tracking [Redacted] for note- Note delivered on [Redacted]<br>Seller Comment (2025-11-19): Please see the UPS Tracking information for the note attached - Note delivered [Redacted] | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9697971 | [Redact] | [Redact] | 34658536 |  | 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 (2025-11-11): Waived on Rate Lock: Collateral cleared by Custodian | 11/11/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9697971 | [Redact] | [Redact] | 34861239 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | The appraisal identified the subject as a PUD. The file is missing a copy of the PUD Rider attached to the Mortgage. Provide a copy of the PUD Rider and proof that the Mortgage will be re-recorded with the rider. If the subject is not a PUD, provide a revised appraisal correcting the property type. |  |  |  | Reviewer Comment (2025-11-11): Received PUD-Rider. Exception Cleared.<br>Seller Comment (2025-11-10): [Redacted] - delivered on [Redacted]<br>Seller Comment (2025-11-10): Please see page 23...PUD Rider | 11/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9697982 | [Redact] | [Redact] | 34658623 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9697982 | [Redact] | [Redact] | 34842577 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/31/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9697979 | [Redact] | [Redact] | 34658625 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9697979 | [Redact] | [Redact] | 34796709 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-10-28): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/28/2025 | 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 |
| [Redact] | 9697979 | [Redact] | [Redact] | 34796712 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-10-31): [Redacted] received rate lock dated [Redacted]<br>Seller Comment (2025-10-30): [Redacted] [Redacted]: Please see attached Rate Lock sheets and corresponding disclosure. On [Redacted] the DTI changed, affecting the LLPA, negative pricing disclosed on the [Redacted] CD | 10/31/2025 |  |  | 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 |
| [Redact] | 9697979 | [Redact] | [Redact] | 34796713 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-11-21): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-11-20): Please see attached Letter of Explanation, Refund Check, Post-Closed Closing Disclosure, Proof of Delivery. |  | 11/21/2025 |  | 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 |
| [Redact] | 9698158 | [Redact] | [Redact] | 34663766 |  | 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 (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-05): Note Tracking - FedEx #[Redacted], original delivered [Redacted]. | 11/06/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9698158 | [Redact] | [Redact] | 34855401 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided |  | The file was missing coy of Title Preliminary |  |  |  | Reviewer Comment (2025-11-06): Received title. Exception Cleared.<br>Seller Comment (2025-11-05): title commit upld | 11/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9698158 | [Redact] | [Redact] | 34855404 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | The file was missing copy of E-Sign Consent Agreement. |  |  |  | Reviewer Comment (2025-11-06): Received E-Sign. Exception Cleared.<br>Seller Comment (2025-11-05): proof econsent accepted upld | 11/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9698158 | [Redact] | [Redact] | 34855408 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | The file was missing coy of Title Preliminary. |  |  |  | Reviewer Comment (2025-11-06): Received title. Exception Cleared.<br>Seller Comment (2025-11-05): title commit upld to trailing docs | 11/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9698158 | [Redact] | [Redact] | 34855424 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing copy of Insurance Verification, Tax Verification. |  |  |  | Reviewer Comment (2025-11-07): Received Tax Verification. Exception Cleared.<br>Seller Comment (2025-11-06): motgage statement and prop profile upld, stmnts confirms hoi escrowed and verified monthly amt, profile confirms tax amount. | 11/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9698158 | [Redact] | [Redact] | 34855427 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/03/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9698158 | [Redact] | [Redact] | 34929675 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  | 11/06/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9698160 | [Redact] | [Redact] | 34663850 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9698160 | [Redact] | [Redact] | 34798705 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of[Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Reviewer Comment (2025-10-29): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/29/2025 | 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. C B A | Non QM | Non QM | Yes |
| [Redact] | 9698160 | [Redact] | [Redact] | 34798708 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-10-31): [Redacted] received [Redacted] CD received 3 business days prior to consummation.<br>Seller Comment (2025-10-30): [Redacted] [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the 3 business days before the closing date of [Redacted]. | 10/31/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| [Redact] | 9698160 | [Redact] | [Redact] | 34798709 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-12-04): [Redacted] received a valid COC.<br>Seller Comment (2025-12-03): [Redacted] [Redacted] Please see attached Cofc. The borrower requested to increase the discount points.<br>Reviewer Comment (2025-10-31): [Redacted] Received COC dated [Redacted]; however, it does not give sufficient information on why the discount fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-10-30): [Redacted] [Redacted] The LE that was issued on [Redacted] was floating so the discount points/lender credits can change per TILA [Redacted](e)(3)(iv)(D). The loan locked on [Redacted] and the associated locked LE shows discount points of $[Redacted] as shown on the attached Lock Confirmation. | 12/04/2025 |  |  | 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 |
| [Redact] | 9698160 | [Redact] | [Redact] | 34798710 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-31): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-10-30): [Redacted] [Redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal 2 Fee. | 10/31/2025 |  |  | 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 |
| [Redact] | 9698160 | [Redact] | [Redact] | 35157916 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-12-04): Sufficient Cure Provided At Closing |  | 12/04/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9698161 | [Redact] | [Redact] | 34664003 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9698189 | [Redact] | [Redact] | 34664589 |  | 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 (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-04): Tracking # [Redacted] | 11/05/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9698191 | [Redact] | [Redact] | 34664861 |  | 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 (2025-11-03): Waived on Rate Lock: Collateral cleared by Custodian | 11/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9698191 | [Redact] | [Redact] | 34834549 |  | 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 (2025-11-12): Received CDA. Exception Cleared.<br>Seller Comment (2025-11-11): (Rate Lock) CDA | 11/12/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9698191 | [Redact] | [Redact] | 34834553 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing verification of Taxes and Insurance. |  |  |  | Reviewer Comment (2025-11-06): Received Taxes and Insurance verification. Exception Cleared.<br>Seller Comment (2025-11-04): (Rate Lock) [Redact] and REO docs | 11/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9698191 | [Redact] | [Redact] | 34834556 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/30/2025 | 2 B |  | [Redact] | Investment | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9698192 | [Redact] | [Redact] | 34665096 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-20): (Rate Lock) [Redacted] | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9698192 | [Redact] | [Redact] | 35015620 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification of appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/19/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9698192 | [Redact] | [Redact] | 35018161 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided |  | Lender Exception document not provided. Lender Exception for Non-Arm's Length (NAL) transaction, new construction, buyer agent relationship to seller/builder. buyer agent is seller's son-in-law. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Liquid post close reserves of [Redacted] ([Redacted]) the requirement<br>LTV of [Redacted] where [Redacted] is maximum | Originator Pre-Close,Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>Aggregator,[Redact]<br>[Redact] | Reviewer Comment (2025-11-24): Client elected to waive the condition with the following Compensating Factors:<br> Liquid post close reserves of [Redacted] ([Redacted]) the requirement<br> LTV of [Redacted] where [Redacted] is maximum<br> DSCR of [Redacted] with vacancy factor where [Redacted] is minimum<br>Seller Comment (2025-11-20): (Rate Lock) exception |  |  | 11/24/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9698192 | [Redact] | [Redact] | 35020020 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 11/19/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9698192 | [Redact] | [Redact] | 35020579 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report not provided. |  |  |  | Reviewer Comment (2025-11-20): Received fraud report. Exception Cleared.<br>Seller Comment (2025-11-20): (Rate Lock) fraud | 11/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9698192 | [Redact] | [Redact] | 35020587 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report not provided. |  |  |  | Reviewer Comment (2025-11-20): Received fraud report. Exception Cleared.<br>Seller Comment (2025-11-20): (Rate Lock) fraud | 11/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9698250 | [Redact] | [Redact] | 34665463 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9698792 | [Redact] | [Redact] | 34671588 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9698793 | [Redact] | [Redact] | 34671650 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-03): Tracking # [Redacted] | 11/04/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9698793 | [Redact] | [Redact] | 34852655 |  | 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 Second Home). |  |  |  |  |  |  |  | 10/31/2025 | 2 B |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9698794 | [Redact] | [Redact] | 34671660 |  | 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 (2025-11-13): Waived on Rate Lock: Collateral cleared by Custodian | 11/13/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9731877 | [Redact] | [Redact] | 34671816 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 9731877 | [Redact] | [Redact] | 34895060 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted]business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-11-10): [Redacted] received CD dated [Redacted]<br>Seller Comment (2025-11-07): [Redacted] [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the 3 business days before the closing date of [Redacted] | 11/10/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | No Defined Cure A | Non QM | Non QM | No |
| [Redact] | 9731877 | [Redact] | [Redact] | 34912525 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-19): [Redacted] received a valid COC.<br>Seller Comment (2025-11-18): [Redacted] [Redacted] Please see attached. The Property was deemed Complex due to the Square footage.<br>Reviewer Comment (2025-11-10): [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the appraisal fee was increased and what was complex about the property. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check.<br>Seller Comment (2025-11-07): [Redacted] [Redacted] On [Redacted] there was a Cofc to increase the appraisal fee from $[Redacted] to $[Redacted] Due to complexity. A closing disclosure went out the same day to disclose the change. | 11/19/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [Redact] | 9731871 | [Redact] | [Redact] | 34671819 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9731871 | [Redact] | [Redact] | 34892486 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | [Redacted] Predatory Lending Database Program ([Redacted] [Redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  |  | Reviewer Comment (2025-11-10): Certificate of Compliance [provided.<br>Seller Comment (2025-11-10): [Redacted] [Redacted] Please see attached Cert | 11/10/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9731878 | [Redact] | [Redact] | 34839782 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR<br> provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-11-07): Received updated hazard insurance policy. Exception Cleared.<br>Seller Comment (2025-11-05): [Redacted] - [Redacted]: Please see the attached insurance policy reflecting dwelling coverage totaling $[Redacted] and the email from the insurance agent confirming a replacement cost of $[Redacted] | 11/07/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9731878 | [Redact] | [Redact] | 34870123 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9731872 | [Redact] | [Redact] | 34671823 |  | 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 (2025-11-13): Waived on Rate Lock: Collateral cleared by Custodian | 11/13/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [Redact] | 9731872 | [Redact] | [Redact] | 34947681 |  | 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 $[Redacted] of title insurance coverage; however, this is less than the loan amount of $[Redacted]. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 11/11/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [Redact] | 9499993 | [Redact] |  | 34689958 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Pre Close Credit report is missing. The only credit report in file was dated post-close, [Redacted] |  |  |  | Reviewer Comment (2025-10-17): Received Credit Report. Exception Cleared.<br>Seller Comment (2025-10-15): Credit report used to qualify the loan uploaded. | 10/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9499993 | [Redact] |  | 34723682 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing the tax cert or other documentation to verify the taxes used to qualify. The lender qualified with taxes lower than the tax documentation in file verified. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted]. | LTV: [Redacted]% < [Redacted]% max<br>Reserves: [Redacted] months > [Redacted] months min<br>DSCR: [Redacted] > [Redacted] min | [Redact],Aggregator<br>Aggregator,[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-10-30): Client elected to waive the condition with the following compensating factors:<br> LTV: [Redacted]% < [Redacted]% max<br> Reserves: [Redacted] months > [Redacted] months min<br> DSCR: [Redacted] > [Redacted] min<br>Reviewer Comment (2025-10-27): Elevated to the client for review<br>Seller Comment (2025-10-23): Please assign this to [Redacted]. it has been discussed with them<br>Reviewer Comment (2025-10-20): Tax cert does not identify or support the amount the lender used to qualify. Provide a tax cert or processor cert identifying the method and amount used to calculate the taxes used to qualify. Condition is valid and remains open<br>Seller Comment (2025-10-16): Property tax assesment for the property is $[Redacted], tax cert uploaded, the loan has been qualified using a higher value, this has already been discussed with the buyer. |  |  | 10/30/2025 | 2 C B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9499998 | [Redact] |  | 34691120 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [Redacted]is less than Guideline PITIA months reserves of [Redacted]. |  |  |  | Reviewer Comment (2025-10-20): Received Bank statement. Exception Cleared.<br>Seller Comment (2025-10-16): Bank statements with sufficient liquidity uploaded | 10/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| [Redact] | 9499999 | [Redact] |  | 34684747 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Incorporation not provided |  | Articles of incorporation document is missing in the file. |  |  |  | Reviewer Comment (2025-10-20): Received article of incorporation. Exception Cleared.<br>Seller Comment (2025-10-16): Articles of [Redacted] uploaded | 10/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9500001 | [Redact] |  | 34689833 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Incorporation not provided |  |  |  |  |  | Reviewer Comment (2025-10-20): Received article of incorporation. Exception Cleared.<br>Seller Comment (2025-10-16): Articles of incorporation uploaded | 10/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| [Redact] | 9500006 | [Redact] |  | 34696302 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  |  |  |  |  | Reviewer Comment (2025-11-06): Received Hazard Insurance Policy. Exception Cleared.<br>Seller Comment (2025-11-04): Updated insurance uploaded | 11/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9500014 | [Redact] |  | 34726320 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | The file is missing asset documentation to support the funds needed to close and the reserve requirements. Note: the file only contained page [Redacted]for the checking account [Redacted]for the period [Redacted]-[Redacted] and the statements from [Redacted] are not in the guarantors name. Provide [Redacted] months complete statements to verify sufficient funds to close and to meet the 6 month PITIA reserve requirement. |  |  |  | Reviewer Comment (2025-10-24): Received closing statement. Exception Cleared.<br>Seller Comment (2025-10-22): Buyer is [Redacted], uploaded Operating agreement to tie the closiing statement belongs to [Redacted]<br>Reviewer Comment (2025-10-20): Provided closing statement reflecting only non-borrower. Required source of funds where amount deposited and evidence of access to guarantor on note. Exception Remains.<br>Seller Comment (2025-10-16): Cashout from a differnt loan is used for liquidity, HUD uploaded. | 10/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9500014 | [Redact] |  | 34726321 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The file is missing asset documentation to support the funds needed to close and the reserve requirements. Note: the file only contained page [Redacted] for the checking account [Redacted]for the period [Redacted]-[Redacted] and the statements from [Redacted] are not in the guarantors name. Provide [Redacted] months complete statements to verify sufficient funds to close and to meet the 6 month PITIA reserve requirement. |  |  |  | Reviewer Comment (2025-10-24): Received closing statement. Exception Cleared.<br>Seller Comment (2025-10-22): Buyer is [Redacted], uploaded Operating agreement to tie the closiing statement belongs to [Redacted]<br>Reviewer Comment (2025-10-20): Provided closing statement reflecting only non-borrower. Required source of funds where amount deposited and evidence of access to guarantor on note. Exception Remains.<br>Seller Comment (2025-10-16): Cashout from a differnt loan is used for liquidity, HUD uploaded. | 10/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9500017 | [Redact] |  | 34726566 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing the tax cert or other documentation to verify the taxes used to qualify. The lender qualified with taxes higher than the tax cert in file verified. |  |  |  | Reviewer Comment (2025-10-28): Received clarification on tax calculation. Exception Cleared.<br>Seller Comment (2025-10-27): Tac comparabes has been uploaded.<br>Reviewer Comment (2025-10-24): Clarification or documentation verifying how the taxes were calculated is needed. A processor's cert, tax calculation worksheet, or other docs identifying how the $[Redacted] annual taxes was calculated is required. Condition remains<br>Seller Comment (2025-10-22): Please assign this to [Redacted]. it has been discussed with them.<br>Reviewer Comment (2025-10-20): Underwriter used $[Redacted] taxes for calculation & provided document reflect $[Redacted]. Required supporting document for $[Redacted] to clear this condition. Exception Remains.<br>Seller Comment (2025-10-16): This is a new construction and current tax is $[Redacted], loan has been qualified using the higher tax for conservative DSCR. This has been discussed with the Buyer. Tax cert uploaded. | 10/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9500029 | [Redact] |  | 34732564 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted]. | • Reserves: [Redacted] months > [Redacted] months min<br>• DSCR: [Redacted] > [Redacted] min | [Redact],Aggregator<br>Aggregator,[Redact] | Reviewer Comment (2025-11-12): Client elected to waive the condition with the following compensating factors:<br> • Reserves: [Redacted] months > [Redacted] months min<br> • DSCR: [Redacted] > [Redacted] min<br>Reviewer Comment (2025-11-12): Per ([Redacted]-[Redacted]) updating Missing Document Form 1004D/442 to a EV2/B<br>Reviewer Comment (2025-11-06): Elevated to the client for review.<br>Seller Comment (2025-11-04): CDA uploaded<br>Reviewer Comment (2025-10-29): Elevated to the client for review<br>Seller Comment (2025-10-27): This has been discussed with the Desk, we have a primary valuation with as-is value. Please assign to [Redacted].<br>Reviewer Comment (2025-10-24): Required 1004D/442 for Valuation Report Date [Redacted] to clear this condition. Exception Remains.<br>Seller Comment (2025-10-22): Revised appraisal uploaded |  |  | 11/12/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9500029 | [Redact] |  | 34765717 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | There are [Redacted]full appraisals in file. The value from the lowest appraisal is used to calculate the LTV. The calculated LTV is greater than the guideline max. |  |  |  | Reviewer Comment (2025-10-24): Used higher value of appraisal. Exception Cleared.<br>Seller Comment (2025-10-22): The LTV is based on the higher value of the appraisal, since the seconday value is within [Redacted]% varaince | 10/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9500035 | [Redact] |  | 34778255 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Per the guidelines, [Redacted] months consecutive statements are required. The file only contained a statement with an end date of [Redacted] and another statement with an end date of [Redacted]. Provide a copy of the statement ending [Redacted]. |  |  |  | Reviewer Comment (2025-10-24): Received bank statement. Exception Cleared.<br>Seller Comment (2025-10-23): Bank statements with sufficient liquidity has ben uploaded | 10/24/2025 |  |  | 1 C A |  |  | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9500050 | [Redact] |  | 34768920 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | The tax certificate used to calculate the DSCR is missing in the file. |  |  |  | Reviewer Comment (2025-10-27): Tax amount verify from appraisal. Exception Cleared.<br>Seller Comment (2025-10-24): Tax value is verified from the appraisal. | 10/27/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9500050 | [Redact] |  | 34768921 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | The tax certificate used to calculate the DSCR is missing in the file. |  |  |  | Reviewer Comment (2025-10-27): Tax amount verify from appraisal. Exception Cleared.<br>Seller Comment (2025-10-24): Tax value is verified from the appraisal. | 10/27/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9500051 | [Redact] |  | 34781955 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing the tax cert or other documentation to verify the taxes used to qualify. The lender qualified with taxes higher than the tax cert in file verified. |  |  |  | Reviewer Comment (2025-10-27): Tax amount verify from 1004. Exception Cleared.<br>Seller Comment (2025-10-24): Tax value is verified using the appraisal. | 10/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9500052 | [Redact] |  | 34772562 |  | 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 (2025-11-06): Received CDA. Exception Cleared.<br>Seller Comment (2025-11-05): CDA uploaded | 11/06/2025 |  |  | 1 D A |  |  | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9500059 | [Redact] |  | 34752502 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-27): Received CDA. Exception Cleared.<br>Seller Comment (2025-10-24): Secondary valuation uploaded | 10/27/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| [Redact] | 9500062 | [Redact] |  | 34753530 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs and a copy of the 442/Completion Cert was missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | • Reserves: [Redacted] months > [Redacted] months min<br>• DSCR: [Redacted] > [Redacted] min | [Redact],Aggregator<br>[Redact],Aggregator | Reviewer Comment (2025-11-12): Client elected to waive the condition with the following compensating factors:<br> • Reserves: [Redacted] months > [Redacted] months min<br> • DSCR: [Redacted] > [Redacted] min<br>Reviewer Comment (2025-11-12): Per ([Redacted]-[Redacted]) updating Missing Document Form 1004D/442 to a EV2/B<br>Reviewer Comment (2025-11-06): Elevated to the client for review.<br>Seller Comment (2025-11-04): CDA uploaded<br>Reviewer Comment (2025-10-29): Elevated to the client for review.<br>Seller Comment (2025-10-27): The primary appraisal provided with as-is value, the secondary appraisal - exterior only is subject to, this has been discussed with the [Redacted] Desk, please put this to Buyer's queue. |  |  | 11/12/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9500071 | [Redact] |  | 34755484 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-10-31): Received Replacement Cost Estimator. Exception Cleared.<br>Seller Comment (2025-10-29): RCE attached | 10/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| [Redact] | 9500073 | [Redact] |  | 34762094 |  | 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 Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 10/22/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9500073 | [Redact] |  | 34768942 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing the tax cert or other documentation to verify the taxes used to qualify. The lender qualified with taxes higher than the tax cert in file verified. |  |  |  | Reviewer Comment (2025-10-27): Tax amount verify from appraisal. Exception Cleared.<br>Seller Comment (2025-10-24): Tax value is verified from the Appraisal - $[Redacted] | 10/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9500075 | [Redact] |  | 34801451 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Per the guidelines, [Redacted] months statements are required. The file only contained 1 month with an end date of [Redacted]. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted]. | • LTV: [Redacted]% < [Redacted]% max<br>• DSCR: [Redacted] > [Redacted] min | [Redact],Aggregator<br>[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-11-11): Client elected to waive the condition with the following compensating factors:<br> • LTV: [Redacted]% < [Redacted]% max<br> • DSCR: [Redacted] > [Redacted] min<br>Seller Comment (2025-11-05): Elevating to Buyers queue<br>Reviewer Comment (2025-11-03): Required 2 months bank statements to clear this condition. Provided documents already present in file that is not acceptable. Exception Remains.<br>Seller Comment (2025-10-31): Bank statements and account letters uploaded.<br>Reviewer Comment (2025-10-28): Provided bank statement is for account #[Redacted]. Required bank statement for account #[Redacted]. Exception Remains.<br>Seller Comment (2025-10-27): [Redacted] month bank statement uploaded. |  |  | 11/11/2025 | 2 C B |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A |  | N/A | No |
| [Redact] | 9500080 | [Redact] |  | 34748793 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Hazard Insurance Policy Effective Date [Redacted], Disbursement Date: [Redacted] |  |  |  | Reviewer Comment (2025-10-28): Received hazard insurance policy. Exception Cleared.<br>Seller Comment (2025-10-27): Gap coverage insurnace binder uploaded | 10/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| [Redact] | 9500080 | [Redact] |  | 34791494 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Provide a copy of the final CD. Seller rebuttal states subject is not a cash out refi. |  |  |  | Reviewer Comment (2025-10-28): Corrected final settlement statement provided<br>Seller Comment (2025-10-27): Final HUD uplaoded, cash out to borrower is $[Redacted] | 10/28/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| [Redact] | 9500086 | [Redact] |  | 34763813 |  | Credit | Missing Document | General | Missing Document | Missing Document: Currency Converter/Exchange (Asset) not provided |  | Assets from [Redacted] were used for qualification; however, the currency converter is missing. |  |  |  | Reviewer Comment (2025-10-28): Received Currency Converter/Exchange. Exception Cleared.<br>Seller Comment (2025-10-27): Currency converter uploaded. | 10/28/2025 |  |  | 1 C A |  |  | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9500086 | [Redact] |  | 34802428 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | The file is missing the tax cert or other documentation to verify the taxes used to qualify. The lender qualified with taxes higher than the tax cert in file verified. |  |  |  | Reviewer Comment (2025-10-29): Received tax certificate. Exception Cleared.<br>Seller Comment (2025-10-28): Tax estimate uploaded for -- [Redacted] | 10/29/2025 |  |  | 1 C A |  |  | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9500086 | [Redact] |  | 34802429 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | The file is missing the tax cert or other documentation to verify the taxes used to qualify. The lender qualified with taxes higher than the tax cert in file verified. |  |  |  | Reviewer Comment (2025-10-29): Received tax certificate. Exception Cleared.<br>Seller Comment (2025-10-28): This value is for the property address: [Redacted]<br>Seller Comment (2025-10-28): Tax used for qualifiation is $[Redacted], which is based on the average of comparable properties.<br>Reviewer Comment (2025-10-28): Provided tax certificate reflecting taxes were less than actual taxes used to qualify. Exception Remains.<br>Seller Comment (2025-10-27): Tax is based on the average of the comparables, Tax calculation uploaded | 10/29/2025 |  |  | 1 C A |  |  | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9500090 | [Redact] |  | 34755042 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted] or Replacement Cost Estimator. |  |  |  | Reviewer Comment (2025-10-31): Received Replacement Cost Estimator. Exception Cleared.<br>Seller Comment (2025-10-29): Please see RCE attached | 10/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9500095 | [Redact] |  | 34774198 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-10-27): Received Bank Statement. Exception Cleared.<br>Seller Comment (2025-10-24): Bank statemetns with sufficient liquidity uploaded | 10/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9500095 | [Redact] |  | 34787039 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Assets verified were insufficient for the funds required to close and the guideline reserve requirement. |  |  |  | Reviewer Comment (2025-10-27): Received Bank Statement. Exception Cleared.<br>Seller Comment (2025-10-24): Bank statements with sufficient liquidity uplaoded. | 10/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9500096 | [Redact] |  | 34740885 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The file is missing the Guideline required Appraisal. Per the guides, an Appraisal is required regardless of the CU score. |  |  |  | Reviewer Comment (2025-11-06): Received Appraisal. Exception Cleared.<br>Seller Comment (2025-11-04): Revised appraisal uploaded<br>Reviewer Comment (2025-10-27): Provided appraisal is for refinance transaction. Required appraisal for subject transaction to clear this condition. Exception Remains.<br>Seller Comment (2025-10-24): Appraisal uploaded | 11/06/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9500096 | [Redact] |  | 34740886 |  | 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 (2025-11-03): Received CDA. Exception Cleared.<br>Seller Comment (2025-10-31): CDA uploaded.<br>Reviewer Comment (2025-10-27): Provided CDA doesn't reflect borrower name . Required CDA for our borrower to clear this condition. Exception Remains.<br>Seller Comment (2025-10-24): Appraisal uploaded | 11/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9500096 | [Redact] |  | 34740906 |  | 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 primary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-11-06): Received Appraisal. Exception Cleared.<br>Seller Comment (2025-11-04): Revised appraisal uploaded.<br>Reviewer Comment (2025-11-03): Provided appraisal (1004) doesn't reflect borrower name. Required appraisal (1004) for our borrower to clear this condition. Exception Remains.<br>Seller Comment (2025-10-31): CDA uploaded.<br>Reviewer Comment (2025-10-27): Provided CDA doesn't reflect borrower name . Required CDA for our borrower to clear this condition. Exception Remains.<br>Seller Comment (2025-10-24): Secondary valuation report uploaded | 11/06/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9500096 | [Redact] |  | 34917420 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR Provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-11-10): Received replacement cost estimator. Exception Cleared.<br>Seller Comment (2025-11-06): RCE attached | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9500102 | [Redact] |  | 34733255 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-10-28): Received Replacement Cost Estimator. Exception Cleared.<br>Seller Comment (2025-10-24): Please see RCE | 10/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9500108 | [Redact] |  | 34788353 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | The file is missing a copy of the purchase agreement. |  |  |  | Reviewer Comment (2025-10-28): Received purchase agreement. Exception Cleared.<br>Seller Comment (2025-10-27): Purchase agreement has been uploaded. | 10/28/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9500111 | [Redact] |  | 34752273 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $[Redacted] is less than Cash from Borrower $[Redacted]. Note: the file contains a copy of the wire transfer to the title company for $[Redacted]; however bank statements to source these funds were not in file. |  |  |  | Reviewer Comment (2025-10-27): Received Bank Statement. Exception Cleared.<br>Seller Comment (2025-10-24): Additional bank statements with sufficient have been uploaded . | 10/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9500111 | [Redact] |  | 34752382 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [Redacted]is less than Guideline PITIA months reserves of [Redacted]. Note: the file contains a copy of the wire transfer to the title company for $[Redacted]; however bank statements to source these funds were not in file. |  |  |  | Reviewer Comment (2025-10-27): Received bank statement. Exception Cleared.<br>Seller Comment (2025-10-24): Additional bank statements with sufficient have been uploaded . | 10/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9500115 | [Redact] |  | 34740282 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | Flood insurance Policy is missing |  |  |  | Reviewer Comment (2025-11-06): Received Flood Insurance Policy. Exception Cleared.<br>Seller Comment (2025-11-04): Flood insurance uploaded | 11/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9500115 | [Redact] |  | 34764354 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted]OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-10-28): Received Replacement Cost Estimator. Exception Cleared.<br>Seller Comment (2025-10-24): Please see RCE | 10/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9500117 | [Redact] |  | 34740716 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | • LTV: [Redacted]% < [Redacted]% max<br>• Reserves: [Redacted]months > 6months min<br>• FICO: [Redacted] > [Redacted] min<br>• DSCR: [Redacted] > [Redacted] min | [Redact],Aggregator<br>Aggregator,[Redact]<br>Aggregator,[Redact]<br>[Redact],Aggregator | Reviewer Comment (2025-10-30): Client elected to waive the condition with the following comp factors:<br> • LTV: [Redacted]% < [Redacted]% max<br> • Reserves: [Redacted]months > [Redacted]months min<br> • DSCR: [Redacted] > [Redacted] min<br> • FICO: [Redacted] > [Redacted] min<br>Seller Comment (2025-10-22): HOI coverage is insufficient by $[Redacted], kindly waive off. |  |  | 10/30/2025 | 2 C B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9500117 | [Redact] |  | 34764327 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Evidence to Access Funds not provided. |  |  |  | Reviewer Comment (2025-10-22): Received operating agreement. Exception Cleared.<br>Seller Comment (2025-10-21): Evidence of proof of funds has been uploaded. | 10/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9500119 | [Redact] |  | 34762005 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. |  |  |  | Reviewer Comment (2025-10-31): Received Bank Statement. Exception Cleared.<br>Seller Comment (2025-10-29): Revised bank statements uploaded. | 10/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9500121 | [Redact] |  | 34752675 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | The file is missing copy of HUD/Closing Settlement Statement. |  |  |  | Reviewer Comment (2025-10-27): Final HUD provided<br>Seller Comment (2025-10-24): HUD uploaded | 10/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9606114 | [Redact] |  | 34725026 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of[Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Buyer Comment (2025-10-16): Initial and Final Grade B, accepted |  |  | 10/16/2025 | 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 |
| [Redact] | 9732142 | [Redact] | [Redact] | 34676625 |  | 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 (2025-10-29): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-10-28): Note was delivered on [Redacted] via [Redacted]. | 10/29/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9732149 | [Redact] | [Redact] | 34676721 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9732146 | [Redact] | [Redact] | 34676773 |  | 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 (2025-11-13): Waived on Rate Lock: Collateral cleared by Custodian | 11/13/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9732146 | [Redact] | [Redact] | 34943996 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 11/11/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9862062 | [Redact] | [Redact] | 34678266 |  | 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 (2025-10-31): Waived on Rate Lock: Collateral cleared by Custodian | 10/31/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9862062 | [Redact] | [Redact] | 34787257 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-10-27): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/27/2025 | 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. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9862062 | [Redact] | [Redact] | 34787290 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | There was only an H06 policy provided the Master hazard policy is missing in the file. |  |  |  | Reviewer Comment (2025-11-04): Received master policy. Exception Cleared.<br>Seller Comment (2025-11-03): master pol upld<br>Reviewer Comment (2025-10-31): Required Master policy to clear this condition. Exception Remains.<br>Seller Comment (2025-10-29): rebuttal upld, sufficient cvrg provided | 11/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9862062 | [Redact] | [Redact] | 34808214 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-10-31): Received Lease Agreement. Exception Cleared.<br>Seller Comment (2025-10-29): lease & ext upld | 10/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9698050 | [Redact] |  | 34740163 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB [Redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  | Reviewer Comment (2025-11-11): Certificate of Compliance provided<br>Seller Comment (2025-11-10): Cert | 11/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9698057 | [Redact] |  | 34750085 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). |  | ULI Information not provided in the file. |  |  |  | Reviewer Comment (2025-10-24): ULI provided<br>Buyer Comment (2025-10-22): [Redacted] | 10/24/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9698057 | [Redact] |  | 34750753 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-05): [Redacted] received a valid COC.<br>Seller Comment (2025-11-04): COC dated [Redacted]<br>Reviewer Comment (2025-10-29): [Redacted] Received COC dated [Redacted]; however, discount point fee increased on CD dated [Redacted] which is prior to COC dated [Redacted]. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-10-27): COC for discount points | 11/05/2025 |  |  | 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 A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9698057 | [Redact] |  | 34750755 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-05): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-11-04): COC | 11/05/2025 |  |  | 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 A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9698057 | [Redact] |  | 34909813 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-05): Sufficient Cure Provided At Closing |  | 11/05/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9732726 | [Redact] | [Redact] | 34679505 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9732726 | [Redact] | [Redact] | 34861006 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-10): [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-11-06): [Redacted] [Redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal Fee. | 11/10/2025 |  |  | 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 A | Non QM | Non QM | Yes |
| [Redact] | 9732726 | [Redact] | [Redact] | 34940094 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-10): Sufficient Cure Provided At Closing |  | 11/10/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9732719 | [Redact] | [Redact] | 34679507 |  | 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 (2025-11-12): Waived on Rate Lock: Collateral cleared by Custodian | 11/12/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9732719 | [Redact] | [Redact] | 34952904 |  | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. |  | Closing Date Does Not Agree with Schedule SCH: [Redacted] NOTE: [Redacted] |  |  |  | Buyer Comment (2025-11-12): Waived on Rate Lock: Collateral cleared by Custodian | 11/12/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9733846 | [Redact] | [Redact] | 34680723 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9733846 | [Redact] | [Redact] | 34806420 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-27): Sufficient Cure Provided At Closing |  | 10/27/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9733847 | [Redact] | [Redact] | 34680726 |  | 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 (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian | 11/05/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9733847 | [Redact] | [Redact] | 34844628 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]2% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]2 on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-11-03): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/03/2025 | 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 |
| [Redact] | 9733847 | [Redact] | [Redact] | 34844631 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [Redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  | Reviewer Comment (2025-11-05): Disclosure provided<br>Seller Comment (2025-11-04): [Redacted] [Redacted] Disagree - The loan can fail HPML as long as all the requirements were met as they were on this loan. Please see the attached documents which shows the borrower received the Appraisal on [Redacted] | 11/05/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9733847 | [Redact] | [Redact] | 34844632 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2025-11-05): Disclosure provided<br>Seller Comment (2025-11-04): [Redacted] [Redacted] Disagree - The loan can fail HPML as long as all the requirements were met as they were on this loan. Please see the attached documents which shows the borrower received the Appraisal on [Redacted] | 11/05/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9733847 | [Redact] | [Redact] | 34844638 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-11-05): [Redacted] received [Redacted] CD received 3 business days prior to consummation.<br>Seller Comment (2025-11-04): [Redacted] [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the 3 business days before the closing date of [Redacted] | 11/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| [Redact] | 9733847 | [Redact] | [Redact] | 34844639 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Point Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-05): [Redacted] Received Valid COC along with CD dated [Redacted].<br>Seller Comment (2025-11-04): [Redacted] [Redacted] Assets and liabilities were updated by underwriting on [Redacted] which Increased the DTI to [Redacted]% from [Redacted]%. A Loan Estimate went out the same day to the borrower. Please see the attached Lock Confirmation and Loan Estimate. | 11/05/2025 |  |  | 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 |
| [Redact] | 9733849 | [Redact] | [Redact] | 34680729 |  | 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 (2025-11-03): Waived on Rate Lock: Collateral cleared by Custodian | 11/03/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9734304 | [Redact] | [Redact] | 34689303 |  | 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 (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian | 11/27/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9734307 | [Redact] | [Redact] | 34689305 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9734307 | [Redact] | [Redact] | 34787554 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of[Redacted]% is in excess of the investor allowable maximum of[Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]7 on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of [Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-10-27): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/27/2025 | 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 |
| [Redact] | 9734307 | [Redact] | [Redact] | 34787557 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-23): Sufficient Cure Provided At Closing |  | 10/23/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9735211 | [Redact] | [Redact] | 34692482 |  | 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 (2025-11-20): Waived on Rate Lock: Collateral cleared by Custodian | 11/20/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9610758 | [Redact] |  | 34753244 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs and a copy of the [Redacted]/Completion Cert was missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted]. | Reserves: [Redacted] > [Redacted] min<br>DSCR: [Redacted] > [Redacted] min | [Redact],Aggregator<br>Aggregator,[Redact] | Reviewer Comment (2025-11-28): Client elected to waive the condition with the following compensating factors:<br> Reserves: [Redacted] > [Redacted] min<br> DSCR: [Redacted]> [Redacted] min<br>Reviewer Comment (2025-11-28): Per ([Redacted]-[Redacted]) Re-grade Missing [Redacted]exception to [Redacted] |  |  | 11/28/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9735216 | [Redact] | [Redact] | 34692948 |  | 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 (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian | 11/06/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Non QM | Exempt from ATR | No |
| [Redact] | 9735279 | [Redact] | [Redact] | 34693321 |  | 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 (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian | 11/06/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9735279 | [Redact] | [Redact] | 34858208 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 11/04/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9735279 | [Redact] | [Redact] | 34858233 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-10-31): Sufficient Cure Provided At Closing |  | 10/31/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9735277 | [Redact] | [Redact] | 34693333 |  | 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 (2025-11-20): Waived on Rate Lock: Collateral cleared by Custodian | 11/20/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9735277 | [Redact] | [Redact] | 34985579 |  | 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. |  |  |  |  |  |  | 11/17/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9768629 | [Redact] | [Redact] | 34694218 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9768629 | [Redact] | [Redact] | 34797198 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-10-28): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/28/2025 | 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 |
| [Redact] | 9769238 | [Redact] | [Redact] | 34702406 |  | 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 (2025-12-08): Waived on Rate Lock: Collateral cleared by Custodian | 12/08/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9769303 | [Redact] | [Redact] | 34703861 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9769303 | [Redact] | [Redact] | 34890667 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or v%). |  |  |  |  | Reviewer Comment (2025-11-06): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/06/2025 | 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 |
| [Redact] | 9769348 | [Redact] | [Redact] | 34704904 |  | 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 (2025-11-20): Waived on Rate Lock: Collateral cleared by Custodian | 11/20/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9769348 | [Redact] | [Redact] | 34968118 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing documentation to verify the maintenance fee/taxes for the primary residence. Documentation in file identified the primary is a co-op so the taxes are included in the maintenance fee, but proof of the fee is missing. |  |  |  | Reviewer Comment (2025-11-17): Proof of Co-op fees provided.<br>Seller Comment (2025-11-13): [Redacted] [Redacted]: See attached co-op fee documentation | 11/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9769349 | [Redact] | [Redact] | 34704907 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9769477 | [Redact] | [Redact] | 34705804 |  | 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 (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian | 11/05/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9769477 | [Redact] | [Redact] | 34843347 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae Points and Fees exceed allowable threshold by $[Redacted] or [Redacted]%. |  |  |  | Reviewer Comment (2025-11-03): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/03/2025 | 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 |
| [Redact] | 9769477 | [Redact] | [Redact] | 34843349 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | [Redacted] Predatory Lending Law: Points and Fees on subject loan of [Redacted]1% is in excess of the allowable maximum of [Redacted]% of the Total Loan Amount. Points and Fees total $[Redacted] on a Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted]or .[Redacted]). Compliant High Cost Loan. | Points and Fees exceed allowable threshold by $[Redacted] or .[Redacted]%. |  |  |  | Reviewer Comment (2025-11-05): Proof of the undiscounted rate and price was provided and a portion of the discount points were bona fide.<br>Seller Comment (2025-11-04): [Redacted] [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. | 11/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| [Redact] | 9769477 | [Redact] | [Redact] | 34843351 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided At Closing |  | 10/29/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9769475 | [Redact] | [Redact] | 34705805 |  | 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 (2025-12-12): Waived on Rate Lock: Collateral cleared by Custodian | 12/12/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redact] | 9606106 | [Redact] |  | 34755960 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | [Redacted][Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the [Redacted]Total Loan Amount. Points and Fees total $[Redacted]on a [Redacted] Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or .[Redacted]%). | Points and Fees on subject loan of [Redacted] % is in excess of the investor allowable maximum of [Redacted] % of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted]on a [Redacted]Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or .[Redacted]%). |  |  |  | Buyer Comment (2025-10-23): Initial and Final [Redacted] accepted |  |  | 10/23/2025 | 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 |
| [Redact] | 9606106 | [Redact] |  | 34762961 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA and Insurance Verification not provided. |  |  |  | Reviewer Comment (2025-10-31): Received updated [Redacted]with revised expenses. Exception Cleared.<br>Seller Comment (2025-10-29): updated [Redacted]<br>Reviewer Comment (2025-10-29): As per final [Redacted]total expenses is $[Redacted]however as documents verified taxes only $[Redacted]. Required supporting documents to verify remaining $[Redacted]or revised [Redacted]to clear this condition. Exception Remains.<br>Seller Comment (2025-10-27): That address is just land. There wouldn't be an [Redacted]or [Redacted]. the taxable value is [Redacted]only. | 10/31/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9802884 | [Redact] | [Redact] | 34723856 |  | 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 (2025-11-11): Waived on Rate Lock: Collateral cleared by Custodian | 11/11/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9802895 | [Redact] | [Redact] | 34723858 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| [Redact] | 9802895 | [Redact] | [Redact] | 34860908 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | The Corporate Resolution is missing in the file. |  |  |  | Reviewer Comment (2025-11-13): Received operating agreement. Exception Cleared.<br>Seller Comment (2025-11-12): [Redacted] - [Redacted]: Please see the attached operating agreement.<br>Reviewer Comment (2025-11-11): Required operating agreement to clear this condition. Exception Remains.<br>Seller Comment (2025-11-10): [Redacted] - [Redacted]: Please see attached. | 11/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| [Redact] | 9802896 | [Redact] | [Redact] | 34723881 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9802886 | [Redact] | [Redact] | 34723894 |  | 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 (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian | 11/06/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9802886 | [Redact] | [Redact] | 34887708 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Reviewer Comment (2025-11-04): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/04/2025 | 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 |
| [Redact] | 9804480 | [Redact] | [Redact] | 34726820 |  | 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 (2025-11-20): Waived on Rate Lock: Collateral cleared by Custodian | 11/20/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9804480 | [Redact] | [Redact] | 34962691 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-11-12): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/12/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9804480 | [Redact] | [Redact] | 34962831 |  | 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 title commitment report in file disclosed $[Redacted] of title insurance Coverage; however, this is less than the loan amount of [Redacted]. |  |  |  |  |  |  | 11/12/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9804480 | [Redact] | [Redact] | 34964723 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-12): Sufficient Cure Provided At Closing |  | 11/12/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9804480 | [Redact] | [Redact] | 34964928 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/12/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9804481 | [Redact] | [Redact] | 34726821 |  | 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 (2025-11-11): Waived on Rate Lock: Collateral cleared by Custodian | 11/11/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9804481 | [Redact] | [Redact] | 34932631 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Account statement missing for September [Redacted]. |  |  |  | Reviewer Comment (2025-11-13): Received bank statement. Exception Cleared.<br>Seller Comment (2025-11-12): [Redacted] [Redacted]: Please see attached asset statement | 11/13/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9804481 | [Redact] | [Redact] | 34932644 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]9%). |  |  |  |  | Reviewer Comment (2025-11-07): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/07/2025 | 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 |
| [Redact] | 9804481 | [Redact] | [Redact] | 34932732 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  | Reviewer Comment (2025-11-13): Received bank statement. Exception Cleared. | 11/13/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [Redact] | 9804481 | [Redact] | [Redact] | 34932733 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2025-11-13): Received bank statement. Exception Cleared. | 11/13/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9804481 | [Redact] | [Redact] | 34939795 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing the statement ending [Redacted] for account xx[Redacted] used to calculate the income. |  |  |  | Reviewer Comment (2025-11-13): Received bank statement. Exception Cleared.<br>Seller Comment (2025-11-12): [Redacted] [Redacted]: Please see attached asset statement | 11/13/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9804481 | [Redact] | [Redact] | 34939796 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [Redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The file is missing the statement ending [Redacted] for account xx[Redacted] used to calculate the income. |  |  |  | Reviewer Comment (2025-11-13): Received bank statement. Exception Cleared.<br>Seller Comment (2025-11-12): [Redacted] [Redacted]: Please see attached asset statement | 11/13/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9804557 | [Redact] | [Redact] | 34727465 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-23): Note tracking is [Redacted] | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9804557 | [Redact] | [Redact] | 35026417 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  |  | Reviewer Comment (2025-11-25): Received addendum<br>Seller Comment (2025-11-23): Note Addendum | 11/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9804557 | [Redact] | [Redact] | 35026420 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-11-20): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/20/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9804821 | [Redact] | [Redact] | 34727562 |  | 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 (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian | 11/05/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | B A | Non QM | Non QM | No |
| [Redact] | 9804821 | [Redact] | [Redact] | 34841737 |  | 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. |  |  |  |  |  |  | 11/03/2025 | 2 B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | B A | Non QM | Non QM | No |
| [Redact] | 9804821 | [Redact] | [Redact] | 34841781 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees exceed allowable threshold by $[Redacted] or [Redacted]%. |  |  |  | Reviewer Comment (2025-11-03): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/03/2025 | 2 B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9804821 | [Redact] | [Redact] | 34841784 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided At Closing |  | 10/29/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9804821 | [Redact] | [Redact] | 34841785 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided At Closing |  | 10/29/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9804819 | [Redact] | [Redact] | 34727566 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9805202 | [Redact] | [Redact] | 34732477 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian | 11/26/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9805202 | [Redact] | [Redact] | 35024188 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 11/20/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9805202 | [Redact] | [Redact] | 35056468 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-24): Sufficient Cure Provided At Closing |  | 11/24/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9805206 | [Redact] | [Redact] | 34732478 |  | 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 (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian | 11/05/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9805206 | [Redact] | [Redact] | 34844860 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 11/03/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9805206 | [Redact] | [Redact] | 34844979 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted]business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/03/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9805201 | [Redact] | [Redact] | 34732479 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9805201 | [Redact] | [Redact] | 34806318 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted]6 vs. an investor allowable total of $[Redacted](an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-10-29): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/29/2025 | 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 |
| [Redact] | 9805201 | [Redact] | [Redact] | 34806331 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). |  | Universal Loan Identifier (ULI) is missing. |  |  |  | Reviewer Comment (2025-11-03): ULI provided<br>Seller Comment (2025-10-30): Universal Loan Identifier(ULI): [Redacted] | 11/03/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9805207 | [Redact] | [Redact] | 34732481 |  | 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 (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-26): [Redacted] | 11/27/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9805207 | [Redact] | [Redact] | 35006385 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted]business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/18/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9805315 | [Redact] | [Redact] | 34735210 |  | 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 (2025-11-20): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-19): (Rate Lock) [Redacted] | 11/20/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9805437 | [Redact] | [Redact] | 34736264 |  | 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 (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian | 11/27/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9805437 | [Redact] | [Redact] | 35065479 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/24/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9805433 | [Redact] | [Redact] | 34736265 |  | 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 (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9805433 | [Redact] | [Redact] | 34841355 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 10/31/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9805436 | [Redact] | [Redact] | 34736270 |  | 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 (2025-11-11): Waived on Rate Lock: Collateral cleared by Custodian | 11/11/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9805436 | [Redact] | [Redact] | 34910149 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Originator Compensation was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-11): [Redact] Received Valid COC dated [Redacted] along with CD.<br>Seller Comment (2025-11-10): [Redacted] [Redacted] On [Redacted] the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from [Redacted]% or $[Redacted] to -[Redacted]% or -$[Redacted]. On [Redacted] a Closing disclosure went out to the borrower to redisclose the Lender Credits being $[Redacted] and Discount points becoming a charge for the rate at $[Redacted]. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form. | 11/11/2025 |  |  | 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 A | Non QM | Non QM | Yes |
| [Redact] | 9805436 | [Redact] | [Redact] | 34910150 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of [Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-11): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-11-10): [Redacted] [Redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal Fee. | 11/11/2025 |  |  | 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 A | Non QM | Non QM | Yes |
| [Redact] | 9805436 | [Redact] | [Redact] | 34950105 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-11): Sufficient Cure Provided At Closing |  | 11/11/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9805443 | [Redact] | [Redact] | 34736271 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | A | Non QM | Non QM | No |
| [Redact] | 9805441 | [Redact] | [Redact] | 34736272 |  | 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 (2025-11-11): Waived on Rate Lock: Collateral cleared by Custodian | 11/11/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9805441 | [Redact] | [Redact] | 34936034 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[Redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Final Lender Credit was last disclosed as $[Redacted] on LE but disclosed as $[Redacted]0 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-11-12): [Redacted] Received rate lock dated [Redacted] showing lock extended.<br>Seller Comment (2025-11-11): [Redacted] [Redacted]: LE cited was floating. Please see attached Rate Lock sheets and corresponding disclosure. On [Redacted] the lock was extended, affecting the LLPA, negative pricing disclosed on the [Redacted] CD | 11/12/2025 |  |  | 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 |
| [Redact] | 9805441 | [Redact] | [Redact] | 34936058 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 11/08/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9805447 | [Redact] | [Redact] | 34736274 |  | 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 (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian | 11/06/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9805447 | [Redact] | [Redact] | 34855802 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). |  | The file is missing a copy of Universal Loan Identifier (ULI). |  |  |  | Reviewer Comment (2025-11-06): ULI provided<br>Seller Comment (2025-11-05): [Redacted] [Redacted] Please see attached ULI | 11/06/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9805447 | [Redact] | [Redact] | 34892319 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/04/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9805446 | [Redact] | [Redact] | 34736334 |  | 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 (2025-11-11): Waived on Rate Lock: Collateral cleared by Custodian | 11/11/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9805446 | [Redact] | [Redact] | 34910438 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance and HOA Verification not provided. |  |  |  | Reviewer Comment (2025-11-20): Received HOA Verification. Exception Cleared.<br>Seller Comment (2025-11-19): Timor<br>Reviewer Comment (2025-11-12): Received tax certificate & hazard insurance for property #[Redacted]. Required HOA or supporting document for property #[Redacted] to verify expenses $[Redacted]. Exception Remains.<br>Seller Comment (2025-11-11): Non Escrow prop costs LOE HOA, Taxes and Insurance [Redacted] | 11/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9805446 | [Redact] | [Redact] | 34910448 |  | 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: ___ | 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. |  |  |  | Reviewer Comment (2025-11-07): Client elected to waive the condition |  |  | 11/07/2025 | 2 A B |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9805446 | [Redact] | [Redact] | 34910471 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/08/2025 | 2 B |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9805446 | [Redact] | [Redact] | 34919637 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/08/2025 | 2 B |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9805614 | [Redact] | [Redact] | 34737070 |  | 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 (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian | 11/27/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9805614 | [Redact] | [Redact] | 35058341 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Verification of appraisal was delivered to borrower was not provided |  |  |  |  |  |  | 11/25/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9805614 | [Redact] | [Redact] | 35058342 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Verification of appraisal was delivered to borrower was not provided |  |  |  |  |  |  | 11/25/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9805614 | [Redact] | [Redact] | 35058343 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | Fannie Mae Points and Fees exceed allowable threshold by $[Redacted] or .[Redacted]%. |  |  |  | Reviewer Comment (2025-11-25): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/25/2025 | 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 |
| [Redact] | 9805920 | [Redact] | [Redact] | 34737116 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D B A | Non QM | Exempt from ATR | No |
| [Redact] | 9805920 | [Redact] | [Redact] | 34888449 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-11-11): Received title commitment. Exception Cleared. | 11/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A | Non QM | Exempt from ATR | No |
| [Redact] | 9805920 | [Redact] | [Redact] | 34888464 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Lender Approval or Final 1008 was not provided. |  |  |  | Reviewer Comment (2025-11-11): Received 1008. Exception Cleared.<br>Seller Comment (2025-11-10): (Rate Lock) 1008 | 11/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A | Non QM | Exempt from ATR | No |
| [Redact] | 9805920 | [Redact] | [Redact] | 34888465 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2025-11-11): Received Hazard Insurance Policy. Exception Cleared.<br>Seller Comment (2025-11-10): (Rate Lock) HOI | 11/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A | Non QM | Exempt from ATR | No |
| [Redact] | 9805920 | [Redact] | [Redact] | 34888467 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | Reviewer Comment (2025-11-11): Received Purchase Agreement. Exception Cleared.<br>Seller Comment (2025-11-10): (Rate Lock) contract | 11/11/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D B A | Non QM | Exempt from ATR | No |
| [Redact] | 9805920 | [Redact] | [Redact] | 34888470 |  | Credit | Compliance | Miscellaneous Compliance | Compliance | Missing Document: Loan Estimate not provided |  |  |  |  |  | Reviewer Comment (2025-11-11): LE provided<br>Seller Comment (2025-11-10): (Rate Lock) LE | 11/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A | Non QM | Exempt from ATR | No |
| [Redact] | 9805920 | [Redact] | [Redact] | 34888478 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (2025-11-11): Received Replacement Cost Estimator. Exception Cleared.<br>Seller Comment (2025-11-10): (Rate Lock) HOI | 11/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A | Non QM | Exempt from ATR | No |
| [Redact] | 9805920 | [Redact] | [Redact] | 34916072 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing [Redacted] W-2 |  |  |  | Reviewer Comment (2025-11-11): Received W-2. Exception Cleared.<br>Seller Comment (2025-11-10): (Rate Lock) w2 [Redacted] | 11/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A | Non QM | Exempt from ATR | No |
| [Redact] | 9805920 | [Redact] | [Redact] | 34916143 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided |  |  |  |  |  | Reviewer Comment (2025-11-11): Received title commitment. Exception Cleared.<br>Seller Comment (2025-11-10): (Rate Lock) title | 11/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A | Non QM | Exempt from ATR | No |
| [Redact] | 9805920 | [Redact] | [Redact] | 34916405 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/05/2025 | 2 B |  | [Redact] | Investment | Purchase | D B A | Non QM | Exempt from ATR | No |
| [Redact] | 9805920 | [Redact] | [Redact] | 34949576 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 11/11/2025 | 2 B |  | [Redact] | Investment | Purchase | D B A | Non QM | Exempt from ATR | No |
| [Redact] | 9805925 | [Redact] | [Redact] | 34737117 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9805925 | [Redact] | [Redact] | 34874162 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | Loan Underwriting and Transmittal Summary (1008) no provided. |  |  |  | Reviewer Comment (2025-11-07): Received Loan Underwriting and Transmittal Summary (1008). Exception Cleared.<br>Seller Comment (2025-11-06): 1008 | 11/07/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9805925 | [Redact] | [Redact] | 34874187 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted]disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). |  |  |  | Reviewer Comment (2025-11-12): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Seller Comment (2025-11-11): Cure docs attached! |  | 11/12/2025 |  | 2 C B |  | [Redact] | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [Redact] | 9805925 | [Redact] | [Redact] | 34874188 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted]which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). |  |  |  | Reviewer Comment (2025-11-12): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD |  | 11/12/2025 |  | 2 C B |  | [Redact] | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [Redact] | 9805925 | [Redact] | [Redact] | 34894590 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - 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 HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML. | There is evidence on the initial [Redacted] that the borrower intends on occupying the property as their primary residence. |  |  |  |  |  |  | 11/04/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9807836 | [Redact] | [Redact] | 34746645 |  | 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 (2025-11-11): Waived on Rate Lock: Collateral cleared by Custodian | 11/11/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9807836 | [Redact] | [Redact] | 34920530 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | CPA Letter verifying that the business is currently active and has been in existence for at least two years, and the percentage of ownership was not provided OR require other business documentation verifying the same. |  |  |  | Reviewer Comment (2025-11-13): Received CPA letter. Exception Cleared.<br>Seller Comment (2025-11-12): [Redacted] [Redacted]: Please see attached document | 11/13/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9807836 | [Redact] | [Redact] | 34920628 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | The loan is at ATR Risk due to missing income documentation. Unable to verify current status of Borrower's Business using reasonably reliable third-party records. |  |  |  | Reviewer Comment (2025-11-13): Received CPA letter. Exception Cleared. | 11/13/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| [Redact] | 9807836 | [Redact] | [Redact] | 34920629 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank [Redacted]): Unable to verify current employment status using reasonably reliable third-party records. | Unable to verify current status of Borrower's Business using reasonably reliable third-party records. |  |  |  | Reviewer Comment (2025-11-13): Received CPA letter. Exception Cleared. | 11/13/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9807836 | [Redact] | [Redact] | 34920630 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan is at ATR Risk due to missing income documentation. Unable to verify current status of Borrower's Business using reasonably reliable third-party records. |  |  |  | Reviewer Comment (2025-11-14): CPA letter provided<br>Seller Comment (2025-11-14): [Redacted] [Redacted]: Can this be cleared due to CPA letter clearing the condition | 11/14/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9807836 | [Redact] | [Redact] | 34920632 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank [Redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  | Reviewer Comment (2025-11-11): Disclosure provided<br>Seller Comment (2025-11-10): [Redacted] [Redacted] Please see attached disclosure | 11/11/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9807836 | [Redact] | [Redact] | 34920633 |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided. | Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided. |  |  |  | Reviewer Comment (2025-11-11): Disclosure provided<br>Seller Comment (2025-11-10): [Redacted] [Redacted] Please see attached Disclosure | 11/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9807836 | [Redact] | [Redact] | 34920635 |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided) | [Redacted] Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided. | Prohibited Acts and Practices Regarding Home Loans disclosure not provided. |  |  |  | Reviewer Comment (2025-11-11): Disclosure provided<br>Seller Comment (2025-11-10): [Redacted] [Redacted] Please see attached Disclosure | 11/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9807836 | [Redact] | [Redact] | 34925046 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [Redacted]): General Ability-to-Repay requirements not satisfied. | The loan is at ATR Risk due to missing income documentation. Unable to verify current status of Borrower's Business using reasonably reliable third-party records. |  |  |  | Reviewer Comment (2025-11-13): Received CPA letter. Exception Cleared. | 11/13/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9807836 | [Redact] | [Redact] | 34982019 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2025-11-14): CPA letter provided | 11/14/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [Redact] | 9807902 | [Redact] | [Redact] | 34747473 |  | 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 (2025-11-20): Waived on Rate Lock: Collateral cleared by Custodian | 11/20/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9808465 | [Redact] | [Redact] | 34753727 |  | 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 (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-25): (Rate Lock) [Redacted] | 11/27/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9808465 | [Redact] | [Redact] | 35064311 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three[Redacted]business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/24/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9808467 | [Redact] | [Redact] | 34754470 |  | 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 (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian | 11/06/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9808467 | [Redact] | [Redact] | 34852053 |  | 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 Title Policy Amount of $[Redacted]is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 11/04/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9808467 | [Redact] | [Redact] | 34853592 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | The Corporate Resolution is missing in the file. Per guidelines, for multi-member entities (i.e. 2 or more owners) where only one member is a borrower <br> on the loan, a Corporate Resolution must be obtained. |  |  |  | Reviewer Comment (2025-11-17): Corporate resolution provided<br>Seller Comment (2025-11-13): [Redacted] [Redacted]: See attached corporate resolution | 11/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9808711 | [Redact] | [Redact] | 34756653 |  | 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 (2025-11-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-10): (Rate Lock) [Redacted] | 11/12/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9808711 | [Redact] | [Redact] | 34913152 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. |  |  |  |  |  |  | 11/08/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9808763 | [Redact] | [Redact] | 34757935 |  | 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 (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian | 11/27/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9808763 | [Redact] | [Redact] | 35055843 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-22): Sufficient Cure Provided At Closing |  | 11/22/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9808764 | [Redact] | [Redact] | 34757937 |  | 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 (2025-11-20): Waived on Rate Lock: Collateral cleared by Custodian | 11/20/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9808764 | [Redact] | [Redact] | 34991897 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-11-14): Sufficient Cure Provided At Closing |  | 11/14/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9808768 | [Redact] | [Redact] | 34757944 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9808768 | [Redact] | [Redact] | 35042165 |  | 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 Title Policy Amount of $[Redacted]is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 11/21/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9808767 | [Redact] | [Redact] | 34757945 |  | 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 (2025-11-13): Waived on Rate Lock: Collateral cleared by Custodian | 11/13/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9768780 | [Redact] |  | 34804519 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .v%). |  |  |  |  | Buyer Comment (2025-10-31): Initial and Final Grade B, accept |  |  | 10/31/2025 | 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 |
| [Redact] | 9768775 | [Redact] |  | 34803893 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. |  |  |  |  |  |  |  | 10/30/2025 | 2 B |  | [Redact] | Second Home | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9768775 | [Redact] |  | 34803894 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .3[Redacted]%). |  |  |  |  | Buyer Comment (2025-10-31): Initial and Final Grade B, accept |  |  | 10/31/2025 | 2 B |  | [Redact] | Second Home | 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 |
| [Redact] | 9768775 | [Redact] |  | 34803898 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted]% tolerance was exceeded by $[Redacted] due to increase of Title - Abstract / Search Fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $,[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-27): Sufficient Cure Provided At Closing |  | 10/27/2025 |  | 1 A |  | [Redact] | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9768775 | [Redact] |  | 34803899 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Title - Reconveyance Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Title - Reconveyance Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-10-27): Sufficient Cure Provided At Closing |  | 10/27/2025 |  | 1 A |  | [Redact] | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9768775 | [Redact] |  | 34857467 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qual Method differs from ATR, DTI not Understated | Ability to Repay (Dodd-Frank [Redacted]): The Qualification Method used by the lender does not match the ATR payment calculation methods under [Redacted]), but the method did not render a DTI that is less than that prescribed under ATR. |  |  |  |  |  |  |  | 10/30/2025 | 2 B |  | [Redact] | Second Home | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9768775 | [Redact] |  | 34857468 |  | 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 Second Home). | The declarations section of the initial [Redacted] identified the borrower would occupy the subject as a primary residence. |  |  |  |  |  |  | 10/30/2025 | 2 B |  | [Redact] | Second Home | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9768731 | [Redact] |  | 34806382 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | The homeowner's insurance declarations page in the file verified an effective date of [Redacted] which is after the consummation date of [Redacted]. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. |  |  |  | Reviewer Comment (2025-11-11): Received hazard insurance policy. Exception Cleared.<br>Seller Comment (2025-11-10): previous policy attached<br>Reviewer Comment (2025-11-09): The subject is a refinance transaction and coverage is required at or prior to consummation. Provide a copy of the insurance declarations page or policy with sufficient coverage that was in effect at or prior to [Redacted] (consummation date).<br>Seller Comment (2025-11-05): insurance requirement are not by the consumption date buy by the disbursement. please clear<br>Seller Comment (2025-11-05): LOE<br>Seller Comment (2025-11-05): settlement statement<br>Seller Comment (2025-11-05): PCCD<br>Reviewer Comment (2025-11-04): Required hazard insurance policy within note date to clear this condition. Exception Remains.<br>Seller Comment (2025-10-31): disbursement date is after the hazard insurance start date of [Redacted]..please clarify why this is out of compliance? | 11/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 9768731 | [Redact] |  | 34806400 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-11-05): [Redacted] received [Redacted] Initial CD with proof of receipt, 3 business days prior to the consummation.<br>Seller Comment (2025-11-03): please see proof of receipt<br>Reviewer Comment (2025-11-03): [Redacted] received [Redacted] CD without receipt. Please provide documentation of receipt if available. The mailbox rule is applied therefore receipt date is [Redacted]. Consummation date is [Redacted]. [Redacted] is day 1, [Redacted] is day 2. Please provide documentation if the CD was received [Redacted] (day 3) or earlier for review.<br>Seller Comment (2025-10-31): initial CD | 11/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | No Defined Cure A | Non QM | Non QM | No |
| [Redact] | 9768731 | [Redact] |  | 34806462 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted] Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-11-11): Received replacement cost estimator. Exception Cleared.<br>Seller Comment (2025-11-10): RCE | 11/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 9768731 | [Redact] |  | 34847994 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided At Closing |  | 10/29/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9768743 | [Redact] |  | 34803746 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Copy of Hazard Insurance Policy is not available in file. |  |  |  | Reviewer Comment (2025-11-05): Received Hazard Insurance Policy. Exception Cleared.<br>Seller Comment (2025-11-03): HOI | 11/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9768743 | [Redact] |  | 34803749 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Copy of Initial [Redacted] is not available in file. |  |  |  | Reviewer Comment (2025-11-05): Received Initial 1003. Exception Cleared.<br>Seller Comment (2025-11-03): initial 1003 | 11/05/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9768743 | [Redact] |  | 34803750 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-11-05): Received E-sign Consent Agreement. Exception Cleared.<br>Seller Comment (2025-11-03): e consent cert | 11/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9768743 | [Redact] |  | 34803771 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | The file was missing a copy of the preliminary title/title commitment. |  |  |  | Reviewer Comment (2025-11-05): Received title commitment. Exception Cleared.<br>Seller Comment (2025-11-03): prelim | 11/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9768743 | [Redact] |  | 34803957 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | Copy of Loan Underwriting and Transmittal Summary (1008) / MCAW is not available in file. |  |  |  | Reviewer Comment (2025-11-05): Received Loan Underwriting and Transmittal Summary (1008). Exception Cleared.<br>Seller Comment (2025-11-03): 1008 | 11/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9768743 | [Redact] |  | 34804123 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. |  |  |  | Reviewer Comment (2025-11-04): [Redacted] received initial LE.<br>Seller Comment (2025-11-03): appraisal disclosure | 11/04/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Cash-out - Other | Good faith redisclosure C B A | Non QM | Non QM | Yes |
| [Redact] | 9768743 | [Redact] |  | 34804127 |  | 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 (2025-11-05): Received right to receive copy. Exception Cleared.<br>Seller Comment (2025-11-03): counseling disclosure | 11/05/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9768743 | [Redact] |  | 34804129 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three[Redacted]business days prior to closing. (Final[Redacted]) |  |  |  | Reviewer Comment (2025-11-04): [Redacted] received initial CD.<br>Seller Comment (2025-11-03): initial CD | 11/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| [Redact] | 9768743 | [Redact] |  | 34804130 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after [Redact], no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $[Redacted] may be required. | Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $[Redacted]may be required. |  |  |  | Reviewer Comment (2025-11-04): [Redacted] received initial LE.<br>Seller Comment (2025-11-03): Loan Estimate | 11/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| [Redact] | 9768743 | [Redact] |  | 34847637 |  | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | FACTA Disclosure was not received by the borrower within 3 business days of application date. |  |  |  | Buyer Comment (2025-11-04): Initial and Final Grade B, accepted. |  |  | 11/04/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9768743 | [Redact] |  | 34889275 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted] the Appraisal fee increased on CD dated [Redacted] for $[Redacted]. Kindly provide a valid COC for the fee increased or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. |  |  |  | Reviewer Comment (2025-11-06): [Redacted] received a valid COC.<br>Seller Comment (2025-11-05): CIC for appraisal fee | 11/06/2025 |  |  | 1 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 |
| [Redact] | 9768754 | [Redact] |  | 34804725 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 10/30/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9768754 | [Redact] |  | 34804925 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  | Reviewer Comment (2025-11-07): [Redacted] received e-consent dated [Redacted]<br>Seller Comment (2025-11-06): cert attached<br>Reviewer Comment (2025-11-06): [Redacted] received e-consent dated [Redacted]. The consumer went through the eConsent process on [Redacted], the consumer acknowledged the receipt of the LE on [Redacted]. But the loan application date was [Redacted]. In the event the consumer had not provided eConsent by [Redacted], then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment 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> "<br>Seller Comment (2025-11-05): electronic consent | 11/07/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9768766 | [Redact] |  | 34803246 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | Policy effective date after Disbursement Date |  |  |  | Reviewer Comment (2025-11-05): Post-close CD and final settlement statement provided verifying an updated disbursement date.<br>Seller Comment (2025-11-04): settlement statement<br>Seller Comment (2025-11-04): pccd<br>Seller Comment (2025-11-04): disbursement confirmation PCCD, Alta, LOE | 11/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9768739 | [Redact] |  | 34802858 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR<br> provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-11-07): Received replacement cost estimator. Exception Cleared.<br>Seller Comment (2025-11-05): RCE attached shows "FULL REPLACEMENT COST" please clear<br>Reviewer Comment (2025-11-05): Provided documents does not specify replacement cost percentage or amount. Required RCE with percentage or amount to clear this condition. Exception Remains.<br>Seller Comment (2025-11-03): replacement cost verbiage from insurance company | 11/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| [Redact] | 9768739 | [Redact] |  | 34843901 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three [Redacted]business days of application or determination of first lien status. | 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. |  |  |  | Reviewer Comment (2025-11-05): Received right to receive copy. Exception Cleared.<br>Seller Comment (2025-11-03): appraisal document | 11/05/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| [Redact] | 9768751 | [Redact] |  | 34804063 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | 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. |  |  |  |  |  |  | 10/30/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9768751 | [Redact] |  | 34857495 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | The final CD disclosed a gift of $[Redacted]; however the file was missing the gift letter and proof of receipt. |  |  |  | Reviewer Comment (2025-11-05): Received gift letter. Exception Cleared.<br>Seller Comment (2025-11-03): gift funds<br>Seller Comment (2025-11-03): gift letter | 11/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9768733 | [Redact] |  | 34806828 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three [Redacted] business days of application or determination of first lien status. | 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 (2025-10-31): Initial and Final Grade B, accepted |  |  | 10/31/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9768763 | [Redact] |  | 34844024 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three [Redacted] business days of application or determination of first lien status. | 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 (2025-10-31): Initial and Final Grade B, accepted |  |  | 10/31/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9768777 | [Redact] |  | 34804172 |  | 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. |  |  |  |  |  |  | 10/30/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9768777 | [Redact] |  | 34857527 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Hazard Dec Page not provided |  | The file is missing the updated HOI dec page/policy. Per the CD and the DSCR worksheet, the lender qualified with an HOI premium of $[Redacted]. The dec page in file verified a premium of $[Redacted] resulting in a mismatch in the DSCR. |  |  |  | Reviewer Comment (2025-11-13): Received updated hazard insurance policy. Exception Cleared.<br>Seller Comment (2025-11-12): both invoices equal [Redacted]<br>Seller Comment (2025-11-12): #2<br>Seller Comment (2025-11-12): please find attached premiums there are two buildings.<br>Reviewer Comment (2025-11-07): File has document with less premium $[Redacted]. Required policy which verifies $[Redacted] premium which was used to qualify. Exception Remains.<br>Seller Comment (2025-11-05): we qualified at a higher rate. Don't think it would affect the DSCR to push it outside of any threshold - we ought to be okay on it. please clear | 11/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9808946 | [Redact] | [Redact] | 34763636 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redact] | 9808946 | [Redact] | [Redact] | 34889896 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for [Redacted]Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance of cure was in the file. |  |  |  | Reviewer Comment (2025-11-04): Sufficient Cure Provided At Closing |  | 11/04/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9809166 | [Redact] | [Redact] | 34765131 |  | 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 (2025-11-11): Waived on Rate Lock: Collateral cleared by Custodian | 11/11/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 9809166 | [Redact] | [Redact] | 34913456 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]8%). |  |  |  |  | Reviewer Comment (2025-11-07): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/07/2025 | 2 B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | 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 |
| [Redact] | 9809166 | [Redact] | [Redact] | 34913459 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | [Redacted] Predatory Lending Law: Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Total Loan Amount. Points and Fees total $[Redacted] on a Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2025-11-11): Proof of undiscounted rate and price provided verifying a portion of the discount points were bona fide.<br>Seller Comment (2025-11-10): [Redacted] [Redacted] See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted]. | 11/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | No obvious cure C B A | Non QM | Non QM | No |
| [Redact] | 9809165 | [Redact] | [Redact] | 34765134 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9809165 | [Redact] | [Redact] | 34861229 |  | 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 Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file |  |  |  |  |  |  | 11/05/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9809165 | [Redact] | [Redact] | 34895669 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The[Redacted] appraisal wasn't disclosed to the borrower on the LE, however there was a lender credit to cover the cost to cure. |  |  |  | Reviewer Comment (2025-11-04): Sufficient Cure Provided At Closing |  | 11/04/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9809513 | [Redact] | [Redact] | 34765651 |  | 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 (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian | 11/06/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9809513 | [Redact] | [Redact] | 34855818 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Tax verification |  |  |  | Reviewer Comment (2025-11-06): Received Tax verification. Exception Cleared.<br>Seller Comment (2025-11-05): [Redacted] [Redacted]: please see attached | 11/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9809509 | [Redact] | [Redact] | 34765652 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian | 11/26/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9809509 | [Redact] | [Redact] | 35027119 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Final [Redacted]reflects assets in the amount of $[Redacted] (Sale of Real Estate) used in qualification, loan file is missing a copy of the final CD and documentation to support additional liability if property not sold. |  |  |  | Reviewer Comment (2025-11-28): Asset requirement suffice. Exception Cleared.<br>Seller Comment (2025-11-25): [Redacted] - [Redacted]: The borrower did not sale another property, and utilized $[Redacted] in proceeds from this transaction to satisfy their reserve requirement. Please see the attached and revised 1003 reflecting the assets as "Other assets"<br>Reviewer Comment (2025-11-24): Required supporting documement for assets in amount of $[Redacted] used in qualification. File was missing a copy of the final CD and documentation to support additional liability if property not sold. Exception Remains.<br>Seller Comment (2025-11-21): [Redacted] - [Redacted]: The borrower utilized $[Redacted] in proceeds from this transaction to meet their reserve requirement of $[Redacted], which is permitted per the investor's guidelines. The only property owned by the borrower is the subject property. | 11/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9809641 | [Redact] | [Redact] | 34772459 |  | 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 (2025-11-13): Waived on Rate Lock: Collateral cleared by Custodian | 11/13/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9809918 | [Redact] | [Redact] | 34772757 |  | 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 (2025-11-20): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-14): [Redacted] - Delivered on [Redacted] | 11/20/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9809918 | [Redact] | [Redact] | 34964632 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval document not provided |  |  |  | Reviewer Comment (2025-11-17): Received approval. Exception Cleared.<br>Seller Comment (2025-11-14): approval | 11/17/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9809938 | [Redact] | [Redact] | 34773454 |  | 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 (2025-11-11): Waived on Rate Lock: Collateral cleared by Custodian | 11/11/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9809938 | [Redact] | [Redact] | 34910190 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary Title Policy is within CA and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 11/08/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9809938 | [Redact] | [Redact] | 34910202 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-05): Sufficient Cure Provided At Closing |  | 11/05/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9809938 | [Redact] | [Redact] | 34910224 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted] or Replacement Cost Estimator. |  |  |  | Reviewer Comment (2025-11-17): Received RCE. Exception Cleared.<br>Seller Comment (2025-11-14): RCE | 11/17/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9810046 | [Redact] | [Redact] | 34773620 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian | 11/26/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9810046 | [Redact] | [Redact] | 35064087 |  | 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. |  |  |  |  |  |  |  | 11/24/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9810046 | [Redact] | [Redact] | 35064208 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted] is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-11-24): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/24/2025 | 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 |
| [Redact] | 9810046 | [Redact] | [Redact] | 35064211 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-24): Sufficient Cure Provided At Closing |  | 11/24/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9810051 | [Redact] | [Redact] | 34773621 |  | 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 (2025-11-11): Waived on Rate Lock: Collateral cleared by Custodian | 11/11/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9810051 | [Redact] | [Redact] | 34913912 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB [Redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  |  | Reviewer Comment (2025-12-09): Certificate of Compliance provided<br>Seller Comment (2025-12-09): [Redacted] [Redacted] Please see attached Disclosure | 12/09/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9810051 | [Redact] | [Redact] | 34927280 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-06): Sufficient Cure Provided At Closing |  | 11/06/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9810050 | [Redact] | [Redact] | 34773623 |  | 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 (2025-11-11): Waived on Rate Lock: Collateral cleared by Custodian | 11/11/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9810294 | [Redact] | [Redact] | 34774044 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9810294 | [Redact] | [Redact] | 34864716 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Copy of Employer Identification Number (EIN) is not available in file. |  |  |  | Reviewer Comment (2025-11-12): Received Employer Identification Number (EIN). Exception Cleared.<br>Seller Comment (2025-11-11): EIN | 11/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9810294 | [Redact] | [Redact] | 34864841 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three[Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Verification of appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/05/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9810295 | [Redact] | [Redact] | 34774064 |  | 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 (2025-11-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-10): Tracking # [Redacted] | 11/11/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9810295 | [Redact] | [Redact] | 34932373 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]0 ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-11-07): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/07/2025 | 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 |
| [Redact] | 9844301 | [Redact] | [Redact] | 34777724 |  | 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 (2025-11-20): Waived on Rate Lock: Collateral cleared by Custodian | 11/20/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9844717 | [Redact] | [Redact] | 34783690 |  | 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 (2025-12-05): Waived on Rate Lock: Collateral cleared by Custodian | 12/05/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9844719 | [Redact] | [Redact] | 34783691 |  | 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 (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian | 11/27/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9844724 | [Redact] | [Redact] | 34783692 |  | 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 (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian | 11/27/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9844725 | [Redact] | [Redact] | 34783693 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9844723 | [Redact] | [Redact] | 34783697 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian | 11/26/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9844723 | [Redact] | [Redact] | 35025946 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-10): [Redacted] received LOE for similar fee name on LE and CDs.<br>Seller Comment (2025-12-09): [Redacted] [Redacted] Please see attached Attestation Letter<br>Reviewer Comment (2025-11-25): [Redacted] received attestation that property condition report fee on LEs and ICD is same as 2nd appraisal fee but as per the file there is no Property Condition Report Fee disclosed on any of the LEs and ICD. Please provide correct attestation or a VCC is required.<br>Seller Comment (2025-11-24): Please see attached Attestation Letter | 12/10/2025 |  |  | 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 A | Non QM | Non QM | Yes |
| [Redact] | 9844958 | [Redact] | [Redact] | 34783776 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-24): shipping info - [Redacted] - delivered on [Redacted] | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9845302 | [Redact] | [Redact] | 34786915 |  | 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 (2025-11-13): Waived on Rate Lock: Collateral cleared by Custodian | 11/13/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9845302 | [Redact] | [Redact] | 34942853 |  | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. | Borrower not provided First Lien Refinance Notice. |  |  |  | Reviewer Comment (2025-11-13): Provided in trailing docs<br>Seller Comment (2025-11-13): Please see attached | 11/13/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9845302 | [Redact] | [Redact] | 34942876 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Valid COC is not provided for Second Appraisal Fee. |  |  |  | Reviewer Comment (2025-11-10): Sufficient Cure Provided At Closing |  | 11/10/2025 |  | 1 A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9845302 | [Redact] | [Redact] | 34956025 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three[Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/11/2025 | 2 B |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9845303 | [Redact] | [Redact] | 34786916 |  | 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 (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9845303 | [Redact] | [Redact] | 34912280 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three[Redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/06/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9845304 | [Redact] | [Redact] | 34787174 |  | 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 (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian | 11/27/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9845304 | [Redact] | [Redact] | 35064420 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted]0 on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-11-25): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/25/2025 | 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 |
| [Redact] | 9845832 | [Redact] | [Redact] | 34788839 |  | 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 (2025-11-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-07): Tracking # [Redacted] | 11/11/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9845832 | [Redact] | [Redact] | 34896157 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three[Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  | 11/06/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9845832 | [Redact] | [Redact] | 34896159 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] |  |  |  | Reviewer Comment (2025-11-06): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/06/2025 | 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 |
| [Redact] | 9845832 | [Redact] | [Redact] | 34925888 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three business days prior to closing, and appraisal was not provided at or before closing |  |  |  |  |  |  | 11/06/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9845836 | [Redact] | [Redact] | 34789152 |  | 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 (2025-11-11): Waived on Rate Lock: Collateral cleared by Custodian | 11/11/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9845892 | [Redact] | [Redact] | 34791144 |  | 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 (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian | 11/27/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9845892 | [Redact] | [Redact] | 35040445 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-21): Sufficient Cure Provided At Closing |  | 11/21/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9845892 | [Redact] | [Redact] | 35041468 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | 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. |  |  |  |  |  |  | 11/21/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9845893 | [Redact] | [Redact] | 34791150 |  | 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. |  | Waterfall due to missing HOEPA document. |  |  |  | Buyer Comment (2025-11-14): Waived on Rate Lock: Collateral cleared by Custodian | 11/14/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9768749 | [Redact] |  | 34822791 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]5% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Buyer Comment (2025-11-03): Initial and Final Grade B, accepted |  |  | 11/03/2025 | 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 |
| [Redact] | 9768740 | [Redact] |  | 34839243 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-11-10): [Redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Seller Comment (2025-11-07): please find attached cure documents<br>Reviewer Comment (2025-11-05): [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the credit fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-11-04): CIC with recording fee |  | 11/10/2025 |  | 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 |
| [Redact] | 9768769 | [Redact] |  | 34851462 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | Loan Underwriting and Transmittal Summary (1008) with corrected loan mount of $[Redacted] not provided. |  |  |  | Reviewer Comment (2025-11-10): Received Loan Underwriting and Transmittal Summary (1008). Exception Cleared.<br>Seller Comment (2025-11-06): [Redacted] 1008<br>Reviewer Comment (2025-11-06): Required Loan Underwriting and Transmittal Summary (1008) with corrected loan mount of $[Redacted]. Exception Remains.<br>Seller Comment (2025-11-04): 1008 | 11/10/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 9768746 | [Redact] |  | 34844325 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three [Redacted] business days of application or determination of first lien status. | 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 (2025-10-31): Initial and Final Grade B, accepted |  |  | 10/31/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9768773 | [Redact] |  | 34811801 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Right to Receive a Copy" is missing in the file. |  |  |  | Reviewer Comment (2025-11-04): Received right to receive copy. Exception Cleared.<br>Seller Comment (2025-11-03): appraisal Disclosure | 11/04/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| [Redact] | 9768773 | [Redact] |  | 34811881 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage insufficient by $[Redacted] Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount |  |  |  | Reviewer Comment (2025-11-04): Received replacement cost estimator. Exception Cleared.<br>Seller Comment (2025-11-03): RCE | 11/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| [Redact] | 9846236 | [Redact] | [Redact] | 34795591 |  | 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 (2025-11-20): Waived on Rate Lock: Collateral cleared by Custodian | 11/20/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9846236 | [Redact] | [Redact] | 34964126 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 11/12/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9846236 | [Redact] | [Redact] | 34964136 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA Verification, Insurance Verification, Statement and Tax Verification is missing for the primary residence. |  |  |  | Reviewer Comment (2025-11-17): CD from purchase provided verifying the PITIA.<br>Seller Comment (2025-11-13): [Redacted] [Redacted]: See attached CD from this transaction | 11/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9846236 | [Redact] | [Redact] | 34964158 |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Verification of mortgage is missing for the primary residence, mortgage account ending in [Redacted]. |  |  |  | Reviewer Comment (2025-11-24): Received verification on rent. Exception Cleared.<br>Seller Comment (2025-11-20): [Redacted] [Redacted]: The lease mentioned in my last response that we have 12 months for is on [Redacted], please review the documentation referenced.<br>Reviewer Comment (2025-11-20): Before moving on property #[Redacted] borrower staying in property #[Redacted]. Required [Redacted] months housing history for property #[Redacted] to clear this condition. Exception Remains.<br>Seller Comment (2025-11-18): [Redacted] [Redacted]: [Redacted] months of payments can be seen in assets provided. The lease is through [Redact] and each month has a payment to [Redact]<br>Reviewer Comment (2025-11-17): CD from purchase provided verifying the PITIA. The VOM is not required since the property was recently purchased; however the file is missing verification of the rental history for the last [Redacted] months. Note: the lease was in file, but unable to verify the proof of payments.<br>Seller Comment (2025-11-13): [Redacted] [Redacted]: See attached CD from this transaction | 11/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9846236 | [Redact] | [Redact] | 34965674 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 11/12/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9846235 | [Redact] | [Redact] | 34795592 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9846235 | [Redact] | [Redact] | 35002072 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Flood Certificate not provided. |  |  |  | Reviewer Comment (2025-11-19): Received flood certificate. Exception Cleared.<br>Seller Comment (2025-11-19): [Redacted] [Redacted]: See attached flood cert | 11/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9848347 | [Redact] | [Redact] | 34797514 |  | 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 (2025-12-04): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-12-02): Original note delivered [Redacted] via tracking #[Redacted] | 12/04/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9251452 | [Redact] |  | 34801574 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Document Preparation Fee of $[Redacted] was not disclosed to borrower until the final CD. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-08-07): Upon further review consumer within [Redacted]% tolerance requirements.<br>Buyer Comment (2025-08-04): COC form under doc ID D0446 reflects the $[Redacted] fee added with first knowledge of a vesting update to LLC. | 08/07/2025 |  |  | 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 A | Non QM | Non QM | Yes |
| [Redact] | 9251467 | [Redact] |  | 34801598 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Mortgage Broker Fee increased from $[Redacted] on revised LE to $[Redacted] on Initial and Final Closing Disclosures. File does not contain a valid COC for this fee and no cure was provided at closing. |  |  |  | Reviewer Comment (2025-09-11): [Redacted] received a valid COC.<br>Buyer Comment (2025-09-09): Submitted COC to [Redacted] for review. | 09/11/2025 |  |  | 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 A | Non QM | Non QM | Yes |
| [Redact] | 9849176 | [Redact] | [Redact] | 34806769 |  | 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 (2025-12-05): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-12-04): Tracking info [Redacted] | 12/05/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9850048 | [Redact] | [Redact] | 34808033 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-21): [Redacted] delivered [Redacted]<br>Seller Comment (2025-11-21): [Redacted] & [Redacted] | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9850048 | [Redact] | [Redact] | 35015712 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax and Insurance verification not provided. |  |  |  | Reviewer Comment (2025-11-24): Received Tax Verification & Insurance Verification. Exception Cleared.<br>Seller Comment (2025-11-21): [Redacted] & [Redacted] | 11/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9850110 | [Redact] | [Redact] | 34808569 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian | 11/26/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [Redact] | 9850110 | [Redact] | [Redact] | 35014211 |  | 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 (2025-11-20): Received CDA. Exception Cleared.<br>Seller Comment (2025-11-20): [Redacted] - [Redacted]: Please see attached. | 11/20/2025 |  |  | 1 D A |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [Redact] | 9850110 | [Redact] | [Redact] | 35014216 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of the Fraud Report |  |  |  | Reviewer Comment (2025-11-20): Received fraud report. Exception Cleared.<br>Seller Comment (2025-11-20): [Redacted] - [Redacted]: Please see attached. | 11/20/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [Redact] | 9850110 | [Redact] | [Redact] | 35014220 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The file was missing a copy of the Fraud Report |  |  |  | Reviewer Comment (2025-11-20): Received fraud report. Exception Cleared.<br>Seller Comment (2025-11-20): [Redacted] - [Redacted]: Please see attached | 11/20/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [Redact] | 9850110 | [Redact] | [Redact] | 35014252 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-11-19): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/19/2025 | 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. D B C A | Non QM | Non QM | Yes |
| [Redact] | 9850110 | [Redact] | [Redact] | 35014290 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. |  |  |  |  |  | Reviewer Comment (2025-11-24): Received closing disclosure. Exception Cleared.<br>Seller Comment (2025-11-20): [Redacted] - [Redacted]: Please see the attached closing disclosure reflecting proceeds of $[Redacted] | 11/24/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [Redact] | 9850110 | [Redact] | [Redact] | 35016971 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]0. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-02): [Redacted] received COC and as per rate lock provided for change in pricing.<br>Seller Comment (2025-12-01): [Redacted] [Redacted] Disagree. the loan amount increasing on [Redacted] caused the brokers comp to increase from [Redacted]% to [Redacted]% which in turn caused the discount points to increase from [Redacted]% to [Redacted]%. A closing disclosure was sent out on [Redacted] to the borrower to disclose the change.<br>Reviewer Comment (2025-11-21): [Redacted] Received COC shows loan amount decreased to $[Redacted] from $[Redacted] which is not acceptable for increased discount point fee. In order to determine if the changed circumstance is valid more information is necessary on reason fee discount point fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-11-20): [Redacted] [Redacted] On [Redacted] there was a Cofc to increase the loan amount which caused the discount points to increase from $[Redacted] to $[Redacted]. Please see attached Lock, Cofc and closing disclosure | 12/02/2025 |  |  | 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 |
| [Redact] | 9850116 | [Redact] | [Redact] | 34808596 |  | 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 (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian | 11/27/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9850106 | [Redact] | [Redact] | 34808598 |  | 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 (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian | 11/27/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9850113 | [Redact] | [Redact] | 34808599 |  | 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 (2025-12-03): Waived on Rate Lock: Collateral cleared by Custodian | 12/03/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9850113 | [Redact] | [Redact] | 35115891 |  | 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 an updated title commitment or final title policy showing correct loan amount coverage. |  |  |  |  |  |  | 12/01/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9850111 | [Redact] | [Redact] | 34808600 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9850111 | [Redact] | [Redact] | 35056807 |  | 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 Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 11/24/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9850111 | [Redact] | [Redact] | 35056835 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 11/24/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9850117 | [Redact] | [Redact] | 34808601 |  | 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 (2025-11-20): Waived on Rate Lock: Collateral cleared by Custodian | 11/20/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9850117 | [Redact] | [Redact] | 34964831 |  | 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 $[Redacted] title insurance Coverage; however, this is less than the loan amount of $[Redacted] |  |  |  |  |  |  | 11/13/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9850117 | [Redact] | [Redact] | 34981443 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file contained a lease agreement for both units and the appraisal identified the [Redacted] unit was rented; however the LOE from the borrower identifies the property is vacant. Unable to determine the Occupant type of the property nor the rent amount the lender used to calculate the DSCR. |  |  |  | Reviewer Comment (2025-11-19): Clarification from lender provided.<br>Seller Comment (2025-11-17): [Redacted] [Redacted]: We used the lease amount of $[Redacted] for the occupied unit and the $[Redacted] amount from the [Redacted] for the vacant unit. The lease agreement on the vacant unit is no longer in effect. | 11/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9850120 | [Redact] | [Redact] | 34808603 |  | 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 (2025-11-20): Waived on Rate Lock: Collateral cleared by Custodian | 11/20/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9851533 | [Redact] | [Redact] | 34837882 |  | 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 (2025-12-03): Waived on Rate Lock: Collateral cleared by Custodian | 12/03/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9851533 | [Redact] | [Redact] | 35058839 |  | 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. |  |  |  |  |  |  | 11/24/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9851533 | [Redact] | [Redact] | 35058849 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | The Hazard Insurance Policy Effective Date of [Redacted] is after the disbursement, note and transaction date of [Redacted] |  |  |  | Reviewer Comment (2025-12-02): Received revised hazard insurance policy. Exception Cleared.<br>Seller Comment (2025-12-01): Evidence of Insurance Attached | 12/02/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9851567 | [Redact] | [Redact] | 34838292 |  | 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 (2025-12-15): Waived on Rate Lock: Collateral cleared by Custodian | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9851567 | [Redact] | [Redact] | 35163392 |  | 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 Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 12/05/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9852035 | [Redact] | [Redact] | 34842854 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| [Redact] | 9852035 | [Redact] | [Redact] | 35025666 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and appraisal was not provided at or before closing |  |  |  |  |  |  | 11/20/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| [Redact] | 9852514 | [Redact] | [Redact] | 34844167 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-19): (Rate Lock) note tracking [Redacted] | 11/26/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9852723 | [Redact] | [Redact] | 34847404 |  | 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 (2025-12-12): Waived on Rate Lock: Collateral cleared by Custodian | 12/12/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9852723 | [Redact] | [Redact] | 35166985 |  | 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. |  |  |  |  |  |  | 12/05/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9852725 | [Redact] | [Redact] | 34847405 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9852717 | [Redact] | [Redact] | 34847497 |  | 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 (2025-12-03): Waived on Rate Lock: Collateral cleared by Custodian | 12/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9852717 | [Redact] | [Redact] | 35104712 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of[Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] o[Redacted]%). |  |  |  |  | Reviewer Comment (2025-11-28): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/28/2025 | 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 |
| [Redact] | 9852733 | [Redact] | [Redact] | 34847698 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-19): (Rate Lock) [Redacted] [Redacted] X delivered [Redacted] | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9852733 | [Redact] | [Redact] | 35002726 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 11/18/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9853889 | [Redact] | [Redact] | 34853380 |  | 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 (2025-12-04): Waived on Rate Lock: Collateral cleared by Custodian | 12/04/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9853889 | [Redact] | [Redact] | 35106065 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  | 11/28/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9853889 | [Redact] | [Redact] | 35106143 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 11/28/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9853889 | [Redact] | [Redact] | 35106144 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-12-03): Proof of receipt of all valuations provided<br>Seller Comment (2025-12-01): [Redacted] [Redacted]: Please see the attached // | 12/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9853889 | [Redact] | [Redact] | 35106145 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three[Redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-12-03): Proof of receipt of all valuations provided<br>Reviewer Comment (2025-12-02): Provided documents already available in file. Required copy of each valuation to applicant three (3) business days prior to closing. Exception Remains.<br>Seller Comment (2025-12-01): [Redacted] [Redacted]: Please see the attached // | 12/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9853889 | [Redact] | [Redact] | 35106149 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-26): Sufficient Cure Provided At Closing |  | 11/26/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9854921 | [Redact] | [Redact] | 34855086 |  | 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 (2025-12-03): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-12-02): (Rate Lock) [Redacted] | 12/03/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9855040 | [Redact] | [Redact] | 34856397 |  | 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 (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian | 11/27/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9855039 | [Redact] | [Redact] | 34856399 |  | 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 (2025-11-20): Waived on Rate Lock: Collateral cleared by Custodian | 11/20/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9855039 | [Redact] | [Redact] | 34989461 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA Verification document not provided |  |  |  | Reviewer Comment (2025-11-24): Received updated 1003 with revised expenses. Exception Cleared.<br>Seller Comment (2025-11-20): [Redacted] [Redacted]: Attached<br>Reviewer Comment (2025-11-19): As per final 1003 total expenses is $[Redacted] & verified only $[Redacted]. Required supporting documents to verify remaining amount $[Redacted] or revised 1003 to clear this condition. Exception Remains.<br>Seller Comment (2025-11-18): [Redacted] [Redacted]: There are no indication of HOA dues | 11/24/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9855039 | [Redact] | [Redact] | 34989482 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-11-14): Sufficient Cure Provided At Closing |  | 11/14/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9855039 | [Redact] | [Redact] | 34989483 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-11-14): Sufficient Cure Provided At Closing |  | 11/14/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9855041 | [Redact] | [Redact] | 34856400 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian | 11/26/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9855041 | [Redact] | [Redact] | 35014093 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file was missing a copy of the Tax Document |  |  |  | Reviewer Comment (2025-12-04): Received tax certificate. Exception Cleared.<br>Seller Comment (2025-12-02): [Redacted] [Redacted]: Please see attached copy of the [Redacted] tax bill to show the rate. <br> $[Redacted]\*[Redacted]=[Redacted] which is what is being using for qualification<br>Reviewer Comment (2025-11-26): Required tax certificate with calculation sheet which is underwriter used for qualification. Exception Remains.<br>Seller Comment (2025-11-24): [Redacted] [Redacted]: To calculate the taxes at [Redacted]% of the purchase price, the underwriter will use the chart below to determine the correct system entry for the millage rate. This will ensure that the taxes are calculated correctly throughout the loan process, regardless of changes to the purchase price.<br>Reviewer Comment (2025-11-24): Required tax certificate with tax calculation. Exception Remains.<br>Seller Comment (2025-11-20): [Redacted] [Redacted]: When underwriting a new construction or recently constructed property that is a primary residence in [Redacted], the underwriter will default to calculating the property taxes at [Redacted]% of the purchase price. Using [Redacted]% of the purchase price allows [Redacted] to closely estimate the taxes while accounting for the homestead exemption. <br> County Tax: [Redacted]%<br>City Tax or Village/[Redacted]/School Tax: [Redacted]% | 12/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9855041 | [Redact] | [Redact] | 35014110 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-11-21): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception."<br>Seller Comment (2025-11-20): [Redacted] [Redacted]: A tolerance credit in the amount of $[Redacted] for the appraisal fee was reflected on the final Closing Disclosure | 11/21/2025 |  |  | 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 A | Non QM | Non QM | Yes |
| [Redact] | 9855041 | [Redact] | [Redact] | 35036741 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for [Redacted]Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-11-21): Sufficient Cure Provided At Closing |  | 11/21/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9855036 | [Redact] | [Redact] | 34856403 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9855426 | [Redact] | [Redact] | 34857385 |  | 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 (2025-12-01): Waived on Rate Lock: Collateral cleared by Custodian | 12/01/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9855426 | [Redact] | [Redact] | 35069760 |  | 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. |  |  |  |  |  |  |  | 11/25/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9855426 | [Redact] | [Redact] | 35069783 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 11/25/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9855426 | [Redact] | [Redact] | 35069784 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted]business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 11/25/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9855426 | [Redact] | [Redact] | 35069785 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | High cost due to points and fees. |  |  |  | Reviewer Comment (2025-11-25): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/25/2025 | 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 |
| [Redact] | 9855426 | [Redact] | [Redact] | 35069790 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for [Redacted]Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-25): Sufficient Cure Provided At Closing |  | 11/25/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9855858 | [Redact] | [Redact] | 34863159 |  | 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 (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian | 11/27/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9855858 | [Redact] | [Redact] | 35065439 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three [Redacted]business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 11/24/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9855861 | [Redact] | [Redact] | 34863163 |  | 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 (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian | 11/27/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9855861 | [Redact] | [Redact] | 35057220 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 11/24/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9855861 | [Redact] | [Redact] | 35057221 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 11/24/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9856872 | [Redact] | [Redact] | 34868912 |  | 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 (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian | 11/27/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9856872 | [Redact] | [Redact] | 35072294 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [Redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  | 11/25/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9856882 | [Redact] | [Redact] | 34868914 |  | 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 (2025-12-15): Waived on Rate Lock: Collateral cleared by Custodian | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9856876 | [Redact] | [Redact] | 34868915 |  | 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 (2025-12-15): Waived on Rate Lock: Collateral cleared by Custodian | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9856874 | [Redact] | [Redact] | 34868916 |  | 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 (2025-12-15): Waived on Rate Lock: Collateral cleared by Custodian | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9857096 | [Redact] | [Redact] | 34870473 |  | 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 (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9768757 | [Redact] |  | 34913587 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-11-12): Received operating agreement. Exception Cleared.<br>Seller Comment (2025-11-11): operation agreement. guidelines state either either/or are acceptable | 11/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9768757 | [Redact] |  | 34913593 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-11-12): Received operating agreement. Exception Cleared.<br>Seller Comment (2025-11-11): certificate of good standing | 11/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9768757 | [Redact] |  | 34913667 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  |  | Buyer Comment (2025-11-12): Initial and Final Grade B, accepted |  |  | 11/12/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9768757 | [Redact] |  | 34913730 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-11-17): RCE provided<br>Seller Comment (2025-11-17): hi, is there anything else needed from us on this loan?<br>Seller Comment (2025-11-13): RCE | 11/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9768757 | [Redact] |  | 34927353 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2025-11-12): Received operating agreement. Exception Cleared.<br>Seller Comment (2025-11-11): this is not required. operation agreement in file | 11/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9768750 | [Redact] |  | 34929653 |  | 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 (2025-11-10): Received Project Approval. Exception Cleared.<br>Seller Comment (2025-11-07): condo form attached | 11/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9768767 | [Redact] |  | 34909168 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  |  | Buyer Comment (2025-11-09): Initial and Final Grade B, accepted |  |  | 11/09/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9858036 | [Redact] | [Redact] | 34887100 |  | 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 (2025-12-05): Waived on Rate Lock: Collateral cleared by Custodian | 12/05/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9858036 | [Redact] | [Redact] | 35116148 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of[Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] |  |  |  | Reviewer Comment (2025-12-02): Client elected to waive the condition on the Non-QM 1st lien |  |  | 12/02/2025 | 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 |
| [Redact] | 9859558 | [Redact] | [Redact] | 34888382 |  | 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 (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian | 11/27/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9859558 | [Redact] | [Redact] | 35057059 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-11-25): Received E-Sign Consent. Exception Cleared.<br>Seller Comment (2025-11-25): Please see attached | 11/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9859558 | [Redact] | [Redact] | 35057149 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 11/24/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9859558 | [Redact] | [Redact] | 35057150 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted]0 on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted][Redacted]) (an overage of $[Redacted]or .[Redacted]%). |  |  |  | Reviewer Comment (2025-11-24): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/24/2025 | 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 |
| [Redact] | 9859558 | [Redact] | [Redact] | 35062778 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The tax cert provided is land only, the property is new construction per the docs in the file. Please provide a tax cert that was used to qualify the borrower. |  |  |  | Reviewer Comment (2025-12-04): Received closing disclosure to verify tax amount. Exception Cleared.<br>Seller Comment (2025-12-02): [Redacted] [Redacted]: The underwriter used an estimate of [Redacted]% which is the estimate [Redacted] uses to calculate new construction taxes. | 12/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9859558 | [Redact] | [Redact] | 35062781 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The tax cert provided is land only, the property is new construction per the docs in the file. Please provide a tax cert that was used to qualify the borrower. |  |  |  | Reviewer Comment (2025-12-04): Received Note. Exception Cleared.<br>Seller Comment (2025-12-02): [Redacted] [Redacted]: The underwriter used an estimate of [Redacted]% which is the estimate [Redacted] uses to calculate new construction taxes. | 12/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9859558 | [Redact] | [Redact] | 35062800 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The Mortgage statement is missing in the file. |  |  |  | Reviewer Comment (2025-11-28): Received Mortgage statement. Exception Cleared.<br>Seller Comment (2025-11-25): [Redacted] [Redacted]: The fully executed note was already provided which verifies all required information. The mortgage is through a private lender which does not typically provide a mortgage statement. | 11/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9859559 | [Redact] | [Redact] | 34888383 |  | 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 (2025-12-01): Waived on Rate Lock: Collateral cleared by Custodian | 12/01/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9859559 | [Redact] | [Redact] | 35108818 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-12-02): Received E-sign Consent Agreement. Exception Cleared.<br>Seller Comment (2025-12-01): [Redacted] [Redacted]: Please see the attached // | 12/02/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9859559 | [Redact] | [Redact] | 35108829 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Mortgage Statement to verify PITIA. |  |  |  | Reviewer Comment (2025-12-04): Received Closing Disclosure. Exception Cleared.<br>Seller Comment (2025-12-03): [Redacted] [Redacted]: Tax bill was not used to qualify borrower, as the [Redacted]% milage rate was used, as this is what [Redacted] uses for all [Redacted] New Construction homes to be conservative, as the tax bills including the improvements to the home have not rolled out yet at that point. Providing HOI for this property.<br>Reviewer Comment (2025-12-03): As per final 1003 total PITI is $[Redacted] however on provided closing disclosure verified only $[Redacted]. Required tax certificate & hazard insurance to verify remaining amount. Exception Remains.<br>Seller Comment (2025-12-01): [Redacted] [Redacted]: This REO was a new construction purchase in [Redacted]. On these, [Redacted] uses [Redacted]% of the purchase price as the tax rate for the property, to be conservative when the tax value has not rolled out yet, due to the property being a new construction. Providing CD showing the purchase price, used to calculate the taxes on a [Redacted]% rate. | 12/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9859559 | [Redact] | [Redact] | 35108842 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax Verification document was not provided |  |  |  | Reviewer Comment (2025-12-04): Received Closing Disclosure. Exception Cleared.<br>Seller Comment (2025-12-03): [Redacted] [Redacted]: Tax bill was not used to qualify borrower, as the [Redacted]% milage rate was used, as this is what [Redacted] uses for all [Redacted] New Construction homes to be conservative, as the tax bills including the improvements to the home have not rolled out yet at that point. Providing HOI for this property.<br>Reviewer Comment (2025-12-03): As per provided CD total verified taxes only $[Redacted] however we required total tax $[Redacted]. Required tax certification or property history report to verify exact tax amount. Exception Remains.<br>Seller Comment (2025-12-01): [Redacted] [Redacted]: This REO was a new construction purchase in [Redacted]. On these, [Redacted] uses [Redacted]% of the purchase price as the tax rate for the property, to be conservative when the tax value has not rolled out yet, due to the property being a new construction. Providing CD showing the purchase price, used to calculate the taxes on a [Redacted]% rate. | 12/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9859559 | [Redact] | [Redact] | 35108856 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax Verification document was not provided |  |  |  | Reviewer Comment (2025-12-04): Received Closing Disclosure. Exception Cleared.<br>Seller Comment (2025-12-03): [Redacted] [Redacted]: Tax bill was not used to qualify borrower, as the [Redacted]% milage rate was used, as this is what [Redacted] uses for all [Redacted] New Construction homes to be conservative, as the tax bills including the improvements to the home have not rolled out yet at that point. Providing HOI for this property.<br>Reviewer Comment (2025-12-03): As per provided CD total verified taxes only $[Redacted] however we required total tax $[Redacted]. Required tax certification or property history report to verify exact tax amount. Exception Remains.<br>Seller Comment (2025-12-01): [Redacted] [Redacted]: This REO was a new construction purchase in [Redacted]. On these, [Redacted] uses [Redacted]% of the purchase price as the tax rate for the property, to be conservative when the tax value has not rolled out yet, due to the property being a new construction. Providing CD showing the purchase price, used to calculate the taxes on a [Redacted]% rate. | 12/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9859559 | [Redact] | [Redact] | 35108884 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. |  |  |  |  |  |  |  | 11/28/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9859559 | [Redact] | [Redact] | 35108885 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | High cost due to points and fees. |  |  |  | Reviewer Comment (2025-11-28): Client elected to waive the condition on the Non-QM 1st lien |  |  | 11/28/2025 | 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 |
| [Redact] | 9859566 | [Redact] | [Redact] | 34888392 |  | 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 (2025-12-02): Waived on Rate Lock: Collateral cleared by Custodian | 12/02/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9860188 | [Redact] | [Redact] | 34893201 |  | 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 (2025-12-01): Waived on Rate Lock: Collateral cleared by Custodian | 12/01/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9860188 | [Redact] | [Redact] | 35104809 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three [Redacted] business days of application or determination of first lien status. | Right to Receive a Copy is missing in the file. |  |  |  | Reviewer Comment (2025-12-04): Received Right to Receive Copy of Appraisal Disclosure. Exception Cleared.<br>Seller Comment (2025-12-03): [Redacted] [Redacted]: Please see the attached // | 12/04/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9860185 | [Redact] | [Redact] | 34893202 |  | 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 (2025-12-12): Waived on Rate Lock: Collateral cleared by Custodian | 12/12/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9860185 | [Redact] | [Redact] | 35161892 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Flood Certificate not provided. |  |  |  | Reviewer Comment (2025-12-09): Received Flood Certificate. Exception Cleared.<br>Seller Comment (2025-12-08): [Redacted] [Redacted]: please see attached | 12/09/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9860185 | [Redact] | [Redact] | 35169719 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/05/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9856760 | [Redact] |  | 34992207 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing copy of Insurance Verification, Tax Verification and HOA Verification. |  |  |  | Reviewer Comment (2025-12-08): Received tax certificate. Exception Cleared.<br>Seller Comment (2025-12-04): No HOA - Per the Appraisal and Title, property is not a PUD or a Condo - Property was built in [Redacted] and is not within a community | 12/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856760 | [Redact] |  | 34992213 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three [Redacted]business days prior to consummation. |  |  |  |  |  |  | 11/18/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856763 | [Redact] |  | 34938523 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Sufficient cure was provided at closing. |  |  |  | Reviewer Comment (2025-11-07): Sufficient Cure Provided within 60 Days of Closing |  | 11/07/2025 |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9856763 | [Redact] |  | 34938524 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Sufficient cure was provided at closing. |  |  |  | Reviewer Comment (2025-11-07): Sufficient Cure Provided within 60 Days of Closing |  | 11/07/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9856763 | [Redact] |  | 34938525 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Sufficient cure was provided at closing. |  |  |  | Reviewer Comment (2025-11-07): Sufficient Cure Provided within 60 Days of Closing |  | 11/07/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9856765 | [Redact] |  | 34912656 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted]business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/[Redacted]) |  |  |  |  |  |  | 11/10/2025 | 2 B |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856765 | [Redact] |  | 34912657 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/[Redacted]) |  |  |  |  |  |  | 11/10/2025 | 2 B |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856765 | [Redact] |  | 34912658 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2025-12-15): The required documentation to verify the RSU income was provided<br>Seller Comment (2025-12-15): Borrower has been employed with Indeed since [Redacted]. His RSU income is based on an annual Refresh which is given to top performers. Our borrower has a history of receiving this annual refresh (see attachment) since [Redacted]. This is what borrower was qualified on. In addition, the attachment shows the future RSU value will continue to [Redacted] and beyond.<br>Given the borrower's documented history of receipt and documented continuance, this income is stable and continuing.<br>Reviewer Comment (2025-11-26): Loan is failing due to missing additional income documentation. There is an open exception for missing the RSU Agreement. Once received, we will review again to update loan designation as necessary.<br>Seller Comment (2025-11-24): Not Valid - QM Pass, Not HPML | 12/15/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9856765 | [Redact] |  | 34912664 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-25): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-11-24): Not Valid - cure on the Final CD for the Credit fee increase | 11/25/2025 |  |  | 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 |
| [Redact] | 9856765 | [Redact] |  | 34912795 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | RSU agreement is missing in file. |  |  |  | Reviewer Comment (2025-12-15): The required documentation to verify the RSU income was provided<br>Seller Comment (2025-12-15): Borrower has been employed with Indeed since [Redacted]. His RSU income is based on an annual Refresh which is given to top performers. Our borrower has a history of receiving this annual refresh (see attachment) since [Redacted]. This is what borrower was qualified on. In addition, the attachment shows the future RSU value will continue to [Redacted] and beyond.<br>Given the borrower's documented history of receipt and documented continuance, this income is stable and continuing. | 12/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856765 | [Redact] |  | 34912862 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (2025-12-15): The required documentation to verify the RSU income was provided<br>Seller Comment (2025-12-15): Borrower has been employed with Indeed since [Redacted]. His RSU income is based on an annual Refresh which is given to top performers. Our borrower has a history of receiving this annual refresh (see attachment) since [Redacted]. This is what borrower was qualified on. In addition, the attachment shows the future RSU value will continue to [Redacted] and beyond.<br>Given the borrower's documented history of receipt and documented continuance, this income is stable and continuing. | 12/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856765 | [Redact] |  | 34946614 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 |  |  |  |  |  | Reviewer Comment (2025-11-12): Secondary valuation obtained | 11/12/2025 |  |  | 1 A D |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856765 | [Redact] |  | 34954561 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-11-12): Secondary valuation obtained<br>Reviewer Comment (2025-11-12): Valuation Received - [Redacted] | 11/12/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856765 | [Redact] |  | 35070415 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-25): Sufficient Cure Provided At Closing |  | 11/25/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9856768 | [Redact] |  | 34918751 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/10/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856768 | [Redact] |  | 34918916 |  | Credit | Missing Document | General | Missing Document | Missing Document: Appraisal Transfer Letter not provided |  | Appraisal Transfer Letter Document is missing in the file |  |  |  | Reviewer Comment (2025-12-02): Received Appraisal Transfer Letter. Exception Cleared.<br>Seller Comment (2025-12-01): Appraisal Transfer | 12/02/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856768 | [Redact] |  | 34918970 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). |  | Universal Loan Identifier Number is missing in the file |  |  |  | Reviewer Comment (2025-11-19): ULI provided<br>Buyer Comment (2025-11-17): ULI attached | 11/19/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856770 | [Redact] |  | 34926101 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). |  | Universal Loan Identifier (ULI) is blank. |  |  |  | Reviewer Comment (2025-11-19): ULI provided<br>Buyer Comment (2025-11-17): ULI attached | 11/19/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856770 | [Redact] |  | 34945484 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Subject photos are missing or not legible. |  | The appraisal photos are not legible. Provide a copy of the appraisal with legible phots. |  |  |  | Reviewer Comment (2025-11-19): Legible photos to the appraisal provided.<br>Seller Comment (2025-11-18): Appraisal | 11/19/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856783 | [Redact] |  | 34928633 |  | Credit | Missing Document | General | Missing Document | Missing Document: Appraisal Transfer Letter not provided |  | The file was missing copy of Appraisal Transfer Letter. |  |  |  | Reviewer Comment (2025-11-24): Lender is same as per note. Exception Cleared.<br>Seller Comment (2025-11-20): An appraisal transfer letter is not required as the lender has a dba name of [Redacted] therefore nothing further is required | 11/24/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860517 | [Redact] | [Redact] | 34896541 |  | 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 (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian | 11/27/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redact] | 9860518 | [Redact] | [Redact] | 34896545 |  | 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 (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian | 11/27/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9860518 | [Redact] | [Redact] | 35057885 |  | 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 Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 11/24/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9860576 | [Redact] | [Redact] | 34908557 |  | 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 (2025-12-17): Waived on Rate Lock: Collateral cleared by Custodian | 12/17/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9768765 | [Redact] |  | 34987642 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved Exception for VOM on Private Mortgage. Compensating Factors: Depth of prior housing history [Redacted] years and no derogatory credit in the past [Redacted] years with minimum [Redacted]tradelines. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DSCR on the loan is greater than the guideline minimum. | FICO [Redacted]<br>DSCR [Redacted],. | [Redact],Aggregator<br>[Redact]<br>Aggregator | Reviewer Comment (2025-11-17): Client elected to waive the condition with the following Comp Factors: FICO [Redacted], DSCR [Redacted], |  |  | 11/17/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9768765 | [Redact] |  | 34988320 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | The borrower and seller are brothers. The max LTV for non-arm's length transactions is [Redacted]% per guidelines. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DSCR on the loan is greater than the guideline minimum. | FICO [Redacted]<br>DSCR [Redacted],. | [Redact],Aggregator<br>[Redact]<br>Aggregator | Reviewer Comment (2025-11-17): Client elected to waive the condition with the following Comp Factors: FICO [Redacted], DSCR [Redacted], |  |  | 11/17/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9768765 | [Redact] |  | 34994368 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | The borrower and seller are brothers. The max LTV for non-arm's length transactions is [Redacted]% per guidelines. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DSCR on the loan is greater than the guideline minimum. | FICO [Redacted]<br>DSCR [Redacted],. | [Redact],Aggregator<br>[Redact]<br>Aggregator | Reviewer Comment (2025-11-17): Client elected to waive the condition with the following Comp Factors: FICO [Redacted], DSCR [Redacted], |  |  | 11/17/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9896617 | [Redact] | [Redact] | 34938382 |  | 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 (2025-12-04): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-01): (Rate Lock) [Redacted] | 12/04/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9896617 | [Redact] | [Redact] | 35069949 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | [Redacted]Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). [Redacted]Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted]or .[Redacted]%). | Compliant [Redacted] |  |  |  | Reviewer Comment (2025-11-25): Client elected to waive the condition on the[Redacted] |  |  | 11/25/2025 | 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 |
| [Redact] | 9896647 | [Redact] | [Redact] | 34939077 |  | 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 (2025-12-02): Waived on Rate Lock: Collateral cleared by Custodian | 12/02/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9896647 | [Redact] | [Redact] | 35074491 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [Redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  | 11/28/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9897044 | [Redact] | [Redact] | 34939668 |  | 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 (2025-12-15): Waived on Rate Lock: Collateral cleared by Custodian | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9897044 | [Redact] | [Redact] | 35152990 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/05/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9898645 | [Redact] | [Redact] | 34948082 |  | 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 (2025-12-15): Waived on Rate Lock: Collateral cleared by Custodian | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9917969 | [Redact] | [Redact] | 34988986 |  | 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 (2025-12-08): Waived on Rate Lock: Collateral cleared by Custodian | 12/08/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9917969 | [Redact] | [Redact] | 35135898 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/04/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9895803 | [Redact] |  | 35017287 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | The lender on Appraisal differs from the Note. The appraisal Transfer Letter is missing from the file. |  |  |  | Reviewer Comment (2025-12-02): Received Appraisal Transfer Letter. Exception Cleared.<br>Seller Comment (2025-12-01): [Redacted] - [Redacted]: Please see attached. | 12/02/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9895803 | [Redact] |  | 35017290 |  | Credit | Missing Document | General | Missing Document | Missing Document: Appraisal Transfer Letter not provided |  | Appraisal Transfer Letter is missing in file. |  |  |  | Reviewer Comment (2025-12-02): Received Appraisal Transfer Letter. Exception Cleared.<br>Seller Comment (2025-12-01): [Redacted] - [Redacted]: Please see attached. | 12/02/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9895803 | [Redact] |  | 35017293 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit Report is missing in file. |  |  |  | Reviewer Comment (2025-12-02): Received credit report. Exception Cleared.<br>Seller Comment (2025-11-28): [Redacted]- [Redacted]: Please see attached. | 12/02/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9895803 | [Redact] |  | 35037960 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Higher Priced as [Redacted] | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their [Redacted] residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as [Redacted] residence, loan exceeds one or more HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML. | There is an occupancy discrepancy, there is a [Redacted] in the file that states the [Redacted] will occupy the subject as their [Redacted]. |  |  |  |  |  |  | 11/21/2025 | 2 B |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9895810 | [Redact] |  | 35021714 |  | 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 Title Policy Amount of $[Redacted]is less than the note amount of $[Redacted]based on the Commitment in file. |  |  |  |  |  |  | 11/21/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9895811 | [Redact] |  | 35055493 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The financial ratios were required to be tested to verify the business liquidity. The ratio calculation was < [Redacted] , therefore the loan is not [Redacted] Provide a YTD Balance sheet to perform the ratios, as the [Redacted] schedule L failed. |  |  |  | Reviewer Comment (2025-12-10): Revised AUS, 1008, and income calc worksheet provided. Distribution/[Redacted]earnings used to qualify.<br>Seller Comment (2025-12-10): [Redacted] - [Redacted]: The file still meets investment quality without passing liquidity. With failing liquidity, the borrowers' total income is recalculated at $[Redacted], which results in DTI only increasing to [Redacted]% Please see the attached income worksheets, AUS Findings, revised 1003, and revised 1008<br>Seller Comment (2025-12-10): [Redacted]- [Redacted]: The file still meets investment quality without passing liquidity. With failing liquidity, the borrowers' total income is recalculated at $[Redacted], which results in DTI only increasing to [Redacted]% Please see the attached income worksheets, AUS Findings, revised 1003, and revised 1008<br>Buyer Comment (2025-12-08): .<br>Buyer Comment (2025-12-08): Please provide the Balance sheet for [Redacted]and [Redacted].<br>Seller Comment (2025-12-04): [Redacted] - [Redacted]: The [Redacted]Schedule [Redacted] did not fail. The business's total assets increased from $[Redacted]. at the beginning of the tax year to $[Redacted]by the end of tax year. With this information, the lender has confirmed the liquidity of [Redacted]and [Redacted]and no additional documentation is required.<br>Reviewer Comment (2025-12-02): The liquidity test is based on the [Redacted]end of year balances. Cash at the end of [Redacted]was $[Redacted]and the current liabilities at the end of [Redacted]were $[Redacted], resulting in negative liquidity of $[Redacted]. The condition is valid and remains open<br>Seller Comment (2025-12-02): [Redacted][Redacted]: The [Redacted]Schedule[Redacted] did not fail. The business's total assets increased from $[Redacted]. at the beginning of the tax year to $[Redacted]by the end of tax year. With this information, the lender has confirmed the liquidity of [Redacted]and [Redacted]and no additional documentation is required.<br>Reviewer Comment (2025-12-02): Provide a YTD Balance sheet to perform the ratios, as the [Redacted] schedule [Redacted] failed. Exception Remains.<br>Seller Comment (2025-11-28): [Redacted] - [Redacted]: The lender verified the liquidity of [Redacted]and [Redacted]by comparing the total assets at the beginning of the tax year (Schedule [Redacted] line [Redacted]) to the total assets at the end of the tax year (Schedule [Redacted] line [Redacted].) Due to total assets increasing from from $[Redacted]to $[Redacted], business liquidity was confirmed and no additional documentation is required. | 12/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9895828 | [Redact] |  | 35040935 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of Higher Priced QM |  |  |  | Reviewer Comment (2025-12-03): Seller response verified the origination designation was Higher Priced QM.<br>Seller Comment (2025-12-02): [Redacted] Please advise what is needed, it appears to be locked as Higher Priced QM (APOR) | 12/03/2025 |  |  | 1 B A C |  | [Redact] | Second Home | Purchase | Lender to provide updated ATR/QM status C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| [Redact] | 9895831 | [Redact] |  | 35039133 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule ([Redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. |  |  |  |  |  |  | 11/28/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9895853 | [Redact] |  | 35107840 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ([Redacted]): [Redacted]waived right to receive a copy of the appraisal at least [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to [Redacted] was not provided. |  |  |  |  |  |  | 12/01/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9895860 | [Redact] |  | 35106160 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ([Redacted]): [Redacted] waived right to receive a copy of the appraisal at least[Redacted] business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 12/02/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9895872 | [Redact] |  | 35107875 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. Sec ID: [Redacted] |  | The file is missing a copy of the [Redacted] valuation required for securitization Purposes. |  |  |  | Reviewer Comment (2025-12-04): [Redacted]valuation obtained | 12/04/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9895872 | [Redact] |  | 35152386 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] Collateral Desktop Analysis (CDA) - No MLS Sheets - [Redacted]Days |  |  |  | Reviewer Comment (2025-12-04): [Redacted]valuation obtained<br>Reviewer Comment (2025-12-04): Valuation Received -[Redacted] | 12/04/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9895913 | [Redact] |  | 35107922 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted] Originator Loan Designation of[Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation is firing due to missing REO documentations and verification of employment within [Redacted] business days and CPA letters for self-employment. |  |  |  | Reviewer Comment (2025-12-22): Revised AUS provided removing the sch [Redacted] income. Rental income updated and new DTI was within tolerance of the revised DU DTI.<br>Seller Comment (2025-12-22): [Redacted][Redacted] income did not belong to a borrower, per the 1040s. removed this income from loan. Providing [Redacted]tax returns and [Redacted]rental income calculator, for [Redacted]showing rental income. Also providing LOX for the discrepancy in the addresses listed. When the [Redacted] income is removed and this rental income on Sch [Redacted] is added back in, the loan stays eligible.<br>Seller Comment (2025-12-22): [Redacted][Redacted]income did not belong to a borrower, per the 1040s. removed this income from loan. Providing [Redacted]tax returns and [Redacted]rental income calculator, for [Redacted]showing rental income. Also providing LOX for the discrepancy in the addresses listed. When the [Redacted] income is removed and this rental income on Sch [Redacted] is added back in, the loan stays eligible.<br>Seller Comment (2025-12-22): [Redacted][Redacted]income did not belong to a borrower, per the 1040s. removed this income from loan. Providing [Redacted]tax returns and [Redacted]rental income calculator, for [Redacted]showing rental income. Also providing LOX for the discrepancy in the addresses listed. When the[Redacted] income is removed and this rental income on Sch [Redacted] is added back in, the loan stays eligible.<br>Seller Comment (2025-12-22): [Redacted][Redacted]income did not belong to a borrower, per the 1040s. removed this income from loan. Providing [Redacted]tax returns and [Redacted]rental income calculator, for [Redacted]showing rental income. Also providing LOX for the discrepancy in the addresses listed. When the[Redacted] income is removed and this rental income on Sch [Redacted] is added back in, the loan stays eligible.<br>Reviewer Comment (2025-12-18): An additional copy of DU submission #[Redacted] was provided. This is an earlier DU submission than the [Redacted] on the initial file, #[Redacted]. An updated DU approval is required, dated after submission #[Redacted], removing the S/E income not needed to qualify and including student loan [Redacted]in the liabilities. Condition remains<br>Seller Comment (2025-12-18): [Redacted]: please see attached updated AUS<br>Reviewer Comment (2025-12-10): Additional comments: after further review, the lender did not include a student loan debt for the co-borrower, [Redacted] in the DTI. The student loan, acct [Redacted], was not included. When adding a payment of [Redacted]% or $[Redacted], the DTI will exceed the DU DTI if the borrower's S/E income is removed. Note: the REO expenses for the same borrower's REO at[Redacted] did not include the HOA dues that were verified in file of $[Redacted]per quarter were not included and the net rent for the property is less than the lender used to qualify.<br>Reviewer Comment (2025-12-10): The DU provided removing the unverified S/E income was submission #[Redacted]and was dated [Redacted] The final DU in file was submission #[Redacted]with an issue date of [Redacted] and included the S/E income. A revised/updated DU removing the S/E income is required. Condition remains<br>Seller Comment (2025-12-10): [Redacted] income from [Redacted]can be removed from loan and loan is still eligible at DTI of [Redacted]%. Providing AUS run with higher DTI showing loan would still be eligible.<br>Reviewer Comment (2025-12-08): File is still missing VVOE and third party verification of self-employment for [Redacted] of the [Redacted] borrowers. Condition remains<br>Seller Comment (2025-12-08): [Redacted] : Borrower was self employed so a VVEO within [Redacted] business days is not required. Providing evidence borrower's business was active at time of qualifying. | 12/22/2025 |  |  | 1 B A C |  | [Redact] | Second Home | Purchase | Lender to provide updated ATR/QM status C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| [Redact] | 9895913 | [Redact] |  | 35107923 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule [Redacted] | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable [Redacted]-party records. | [Redacted]party verification or CPA letter was not provided for [Redacted] self-employment. |  |  |  | Reviewer Comment (2025-12-22): Revised AUS provided removing the sch [Redacted] income. Rental income updated and new DTI was within tolerance of the revised DU DTI.<br>Seller Comment (2025-12-22): [Redacted] [Redacted]income did not belong to a borrower, per the 1040s. removed this income from loan. Providing [Redacted]tax returns and [Redacted]rental income calculator, for [Redacted]showing rental income. Also providing LOX for the discrepancy in the addresses listed. When the [Redacted]income is removed and this rental income on Sch [Redacted] is added back in, the loan stays eligible.<br>Seller Comment (2025-12-22): [Redacted][Redacted] income did not belong to a borrower, per the 1040s. removed this income from loan. Providing [Redacted] tax returns and [Redacted]rental income calculator, for [Redacted]showing rental income. Also providing LOX for the discrepancy in the addresses listed. When the [Redacted] income is removed and this rental income on Sch[Redacted] is added back in, the loan stays eligible.<br>Seller Comment (2025-12-22): [Redacted][Redacted]income did not belong to a borrower, per the 1040s. removed this income from loan. Providing [Redacted]tax returns and [Redacted]rental income calculator, for [Redacted]showing rental income. Also providing LOX for the discrepancy in the addresses listed. When the[Redacted] income is removed and this rental income on Sch [Redacted] is added back in, the loan stays eligible.<br>Seller Comment (2025-12-22): [Redacted]- [Redacted] income did not belong to a borrower, per the 1040s. removed this income from loan. Providing [Redacted]tax returns and [Redacted] rental income calculator, for [Redacted]showing rental income. Also providing LOX for the discrepancy in the addresses listed. When the [Redacted] income is removed and this rental income on Sch [Redacted] s added back in, the loan stays eligible.<br>Reviewer Comment (2025-12-10): The DU provided removing the unverified S/E income was submission #[Redacted]and was dated [Redacted]. The final DU in file was submission #[Redacted]with an issue date of [Redacted]and included the S/E income. A revised/updated DU removing the S/E income is required. Condition remains<br>Seller Comment (2025-12-10): [Redacted]income from [Redacted]can be removed from loan and loan is still eligible at DTI of [Redacted]%. Providing AUS run with higher DTI showing loan would still be eligible.<br>Reviewer Comment (2025-12-08): [Redacted] party verification of the self-employment income from [Redacted] was not provided. Condition remains<br>Seller Comment (2025-12-08): [Redacted] : Borrower was self employed so a VVEO within [Redacted] business days is not required. Providing evidence borrower's business was active at time of qualifying. | 12/22/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9895913 | [Redact] |  | 35107924 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule [Redacted] | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable [Redacted]-party records. | [Redacted] party verification or CPA letter was not provided for [Redacted] self-employment. |  |  |  | Reviewer Comment (2025-12-08): [Redacted]party verification of S/E provided<br>Seller Comment (2025-12-08): [Redacted] : Borrower was self employed so a VVEO within [Redacted] business days is not required. Providing evidence borrower's business was active at time of qualifying. | 12/08/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9895913 | [Redact] |  | 35107927 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-11-26): Sufficient Cure Provided At Closing |  | 11/26/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| [Redact] | 9895913 | [Redact] |  | 35108092 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA verification was not in file. |  |  |  | Reviewer Comment (2025-12-10): Documentation verifying REO expenses provided<br>Seller Comment (2025-12-10): [Redacted]please see attached | 12/10/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9895913 | [Redact] |  | 35108108 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | No statement in file to validate if payment is escrowed. If payments are not escrowed proof of taxes and insurance is also required. Also missing verification of HOA dues. |  |  |  | Reviewer Comment (2025-12-10): Documentation verifying REO expenses provided<br>Seller Comment (2025-12-10): [Redacted]please see attached<br>Reviewer Comment (2025-12-08): Proof of HOA and HOI provided; file is missing proof of property taxes. Note: if taxes were escrowed in the mortgage, a copy of the mortgage statement is required to verify the escrows. Condition remains<br>Reviewer Comment (2025-12-08): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: HOA Verification, Statement, Tax Verification<br>Seller Comment (2025-12-08): [Redacted]please see attached | 12/10/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9895913 | [Redact] |  | 35108268 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within [Redacted] business days of the Note. |  | The verification of employment is not within [Redacted]business days of the Note. |  |  |  | Reviewer Comment (2025-12-17): Proof of the relationship between the [Redacted]companies was provided and VVOE in file confirmed the employment<br>Seller Comment (2025-12-16): [Redacted]please see attached, showing the connection between these [Redacted] companies. Additionally, it can be seen that searching "[Redacted]and[Redacted] directly brings up the borrower as well, on this document being provided.<br>Reviewer Comment (2025-12-10): The LOE from the borrower is not acceptable. Documentation from the employer confirming the relationship between the [Redacted] is required. Note: the LOE states there were pay stubs provided from both employers and both were active, however there was only pay stubs from [Redacted] Condition is valid and remains open<br>Seller Comment (2025-12-10): [Redacted]please see attached, showing the reason VVOE was obtained from [Redacted]and does not say [Redacted]<br>Seller Comment (2025-12-10): [Redacted] please see attached, showing the reason VVOE was obtained from [Redacted] and does not say [Redacted]<br>Reviewer Comment (2025-12-08): VVOE for the current employment with [Redacted] was not provided. Condition is valid and remains open<br>Seller Comment (2025-12-08): [Redacted]please see attached | 12/17/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9895913 | [Redact] |  | 35108269 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | The verification of employment is not within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-12-17): Proof of the relationship between the [Redacted] companies was provided and VVOE in file confirmed the employment<br>Seller Comment (2025-12-16): [Redacted]please see attached, showing the connection between these two companies. Additionally, it can be seen that searching "[Redacted]and [Redacted]directly brings up the borrower as well, on this document being provided.<br>Reviewer Comment (2025-12-10): The LOE from the borrower is not acceptable. Documentation from the employer confirming the relationship between the [Redacted]is required. Note: the LOE states there were pay stubs provided from both employers and both were active, however there was only pay stubs from [Redacted] Condition is valid and remains open<br>Seller Comment (2025-12-10): [Redacted] please see attached, showing the reason VVOE was obtained from [Redacted]and does not say [Redacted].<br>Reviewer Comment (2025-12-08): VVOE for the current employment with [Redacted] was not provided. Condition is valid and remains open<br>Seller Comment (2025-12-08): [Redacted]please see attached | 12/17/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9895913 | [Redact] |  | 35108325 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | QM risk is firing due to missing REO documentation and [Redacted] party verification for self-employment and VOE within [Redacted] business days for wage earners. |  |  |  | Reviewer Comment (2025-12-17): Proof of the relationship between the [Redacted]companies was provided and VVOE in file confirmed the employment<br>Reviewer Comment (2025-12-10): The DU provided removing the unverified S/E income was submission #[Redacted]and was dated[Redacted]. The final DU in file was submission #[Redacted]with an issue date of[Redacted] and included the S/E income. A revised/updated DU removing the S/E income is required. Condition remains<br>Seller Comment (2025-12-10): [Redacted]: income from [Redacted]can be removed from loan and loan is still eligible at DTI of [Redacted]%. Providing AUS run with higher DTI showing loan would still be eligible.<br>Reviewer Comment (2025-12-08): File is still missing VVOE and third party verification of self-employment for [Redacted] of the [Redacted] borrowers. Condition remains<br>Seller Comment (2025-12-08): [Redacted] please see attached | 12/17/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9895913 | [Redact] |  | 35136387 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Statement was not provided to validate if payment is escrowed credit report does not state if taxes and insurance are included. |  |  |  | Reviewer Comment (2025-12-08): Documentation to verify the PITIA was provided<br>Seller Comment (2025-12-08): [Redacted] please see attached<br>Seller Comment (2025-12-08): [Redacted]please see attached | 12/08/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9918170 | [Redact] | [Redact] | 34992346 |  | 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 (2025-12-08): Waived on Rate Lock: Collateral cleared by Custodian | 12/08/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9918170 | [Redact] | [Redact] | 35137082 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Insurance verification and HOA document. |  |  |  | Reviewer Comment (2025-12-11): Received updated hazard insurance policy. Exception Cleared.<br>Seller Comment (2025-12-09): [Redacted] [Redacted]: please see attached HOI and document showing no HOA on this REO | 12/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9951053 | [Redact] | [Redact] | 34993504 |  | 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 (2025-12-15): Waived on Rate Lock: Collateral cleared by Custodian | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9951053 | [Redact] | [Redact] | 35196806 |  | 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 Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 12/11/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9951053 | [Redact] | [Redact] | 35196909 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 12/11/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9953829 | [Redact] | [Redact] | 35006474 |  | 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 (2025-12-15): Waived on Rate Lock: Collateral cleared by Custodian | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9954582 | [Redact] | [Redact] | 35010739 |  | 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 (2025-12-08): Waived on Rate Lock: Collateral cleared by Custodian | 12/08/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9956980 | [Redact] | [Redact] | 35022828 |  | 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 (2025-12-15): Waived on Rate Lock: Collateral cleared by Custodian | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9957075 | [Redact] | [Redact] | 35022980 |  | 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 (2025-12-15): Waived on Rate Lock: Collateral cleared by Custodian | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9978968 | [Redact] | [Redact] | 35067799 |  | 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 (2025-12-12): Waived on Rate Lock: Collateral cleared by Custodian | 12/12/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9978960 | [Redact] | [Redact] | 35067811 |  | 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 (2025-12-15): Waived on Rate Lock: Collateral cleared by Custodian | 12/15/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | A | Non QM | Non QM | No |
| [Redact] | 9978960 | [Redact] | [Redact] | 35187833 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-12-09): Sufficient Cure Provided At Closing |  | 12/09/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9502459 | [Redact] |  | 35111989 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. |  | Account Type: Savings / Account Number: [Redacted] is not within [Redacted] days of the note date as per guidelines, require updated bank statement supports within [Redacted] days from the note date. The bank statement dated [Redacted] is greater than [Redacted] days. Provide the [Redacted] statement. |  |  |  | Reviewer Comment (2025-11-04): Bank statement account # [Redacted] end date noted [Redacted] which is within [Redacted] days. Guideline allows the verification of assets (including the source of funds) may not be greater than [Redacted] days old at the time of closing. Exception Cleared<br>Buyer Comment (2025-11-03): PER LENDER: bank statement uploaded is dated [Redacted] and the note date is [Redacted] isn't that only [Redacted] days - please advise thanks | 11/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A | N/A | N/A | No |
| [Redact] | 9502459 | [Redact] |  | 35111990 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | EV2 informational |  |  |  | Buyer Comment (2025-10-29): Acknowledged non material |  |  | 10/29/2025 | 2 B |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | N/A | N/A | Yes |
| [Redact] | 9502459 | [Redact] |  | 35111991 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Missing: a signed letter from the CPA/Tax Preparer or an underwriter cash flow analysis is required to confirm that the withdrawal will not negatively impact the business. |  |  |  | Reviewer Comment (2025-11-12): Received Updated 1003 without Business funds. Exception Cleared<br>Buyer Comment (2025-11-10): Updated 1003<br>Reviewer Comment (2025-11-07): Noted. Provided Final 100 reflects Business account is considered for Qualification hence CPA was requested as per guide. if Business account is not to be considered for asset qualification then Provide Updated final 1003 with Business account been removed. Exception remains.<br>Buyer Comment (2025-11-05): PER LENDER - This is a Bank Statement Loan- [Redacted] guides do not ask for the CPA letter to say that the borrower can use [Redacted]% of funds in a business account. The borrower is a sole owner of the business, and a qualified income calculation was provided. The Borrower used [Redacted] #[Redacted] dated [Redacted]- for the reserves only, this account is held by the borrower's individual name . This bank statement is technically good until [Redacted]. [Redacted] #[Redacted] was used as qualified income - no funds were withdrawn from this account. This a refinance rate and term no funds were needed to complete the transaction<br>Buyer Comment (2025-11-05): Please remove as personal assets are enough for reserves. | 11/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A | N/A | N/A | No |
| [Redact] | 9554449 | [Redact] |  | 35111994 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Require verification of business with one of the following<br> i) Evidence of current work (executed contracts or signed invoices). ii) Evidence of current business receipts. iii) Business website demonstrating activity supporting current business operations. Website provided is for the other business [Redacted] instead of [Redacted]. compliance related. |  |  |  | Reviewer Comment (2025-11-07): Received VVOE and Signed invoices dated [Redacted] within [Redacted] business days of the note date. Exception Cleared.<br>Buyer Comment (2025-11-06): VVOE | 11/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | N/A | N/A | No |
| [Redact] | 9806956 | [Redact] |  | 35112005 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Investor to provide an acceptable secondary valuation. |  |  |  | Reviewer Comment (2025-11-12): Received UCDP CU score less than [Redacted] CDA not require. Exception Cleared<br>Buyer Comment (2025-11-10): UCDP with CU score<br>Reviewer Comment (2025-11-05): Noted. Received UCDP for Freddie Mac (LCA). As per guide, CU score should be less than [Redacted] and there is no CU score available. Exception remains.<br>Buyer Comment (2025-11-04): LCA showing eligible for Freddie reps and warrants | 11/12/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A C | N/A | N/A | No |
| [Redact] | 9806956 | [Redact] |  | 35112006 |  | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided |  | Proof of current invoice is not dated ([Redacted]) within [Redacted] business days prior to the Note. Guidelines require a verification that the business is active and operating either no more than [Redacted] business days prior to the Note Date, or after the Note Date but prior to [Redacted] purchase is required with<br> one of the following:<br> • Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations.<br>Credit related |  |  |  | Reviewer Comment (2025-11-07): Received Payment Notification / invoice for the business within [Redacted] business days of the note date. Exception cleared.<br>Buyer Comment (2025-11-05): Business receipt | 11/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A C | N/A | N/A | No |
| [Redact] | 9806956 | [Redact] |  | 35112007 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Proof of current invoice is not dated ([Redacted]) within [Redacted] business days prior to the Note. Guidelines require a verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to [Redacted] purchase is required with<br> one of the following:<br> • Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br>Compliance related <br> • Business website demonstrating activity supporting current business operations. |  |  |  | Reviewer Comment (2025-11-07): Received Payment Notification / invoice for the business within [Redacted] business days of the note date. Exception cleared.<br>Buyer Comment (2025-11-05): Business receipt | 11/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A C | N/A | N/A | No |
| [Redact] | 9697700 | [Redact] |  | 35112010 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | EV2 informational |  |  |  | Buyer Comment (2025-10-28): Acknowledged non material |  |  | 10/28/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | N/A | N/A | Yes |
| [Redact] | 9697700 | [Redact] |  | 35112011 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The Guidelines indicate business ownership percentage must be greater than [Redacted]%. The file is missing a CPA letter, Operating Agreement or equivalent confirming the percentage. |  |  |  | Reviewer Comment (2025-11-12): Received Certificate of Formation, UW response and business license. However non of the document can be justified that the borrower is the sole owner. LOE from borrower confirms [Redacted]% ownership however it has to be from a CPA confirming the borrower's ownership in the business. Either Operating agreement or a letter from third party (CPA) confirming the ownership is required. Exception remains.<br>Buyer Comment (2025-11-11): Supporting docs and UW's response | 11/12/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | N/A | N/A | No |
| [Redact] | 9697700 | [Redact] |  | 35112012 |  | Credit | Missing Document | General | Missing Document | Missing Document: CPA Letter not provided |  | The Guidelines indicate business ownership percentage must be greater than [Redacted]%. The file is missing a CPA letter, Operating Agreement or equivalent confirming the percentage. |  |  |  | Reviewer Comment (2025-11-14): Received Operating Agreement Confirmed Single member Ownership. Exception Cleared<br>Buyer Comment (2025-11-13): Operating Agreement<br>Reviewer Comment (2025-11-12): Received Certificate of Formation, UW response and business license. However non of the document can be justified that the borrower is the sole owner. LOE from borrower confirms [Redacted]% ownership however it has to be from a CPA confirming the borrower's ownership in the business. Either Operating agreement or a letter from third party (CPA) confirming the ownership is required. Exception remains.<br>Buyer Comment (2025-11-11): See upload [Redacted] | 11/14/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | N/A | N/A | No |
| [Redact] | 9501389 | [Redact] |  | 35112029 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report is missing in file for entity of [Redacted] |  |  |  | Reviewer Comment (2025-10-15): Noted. Received lender correspondence stating newly formed business also evidence that they tried to run the report and was unable to pull a report since the business was newly formed. Email correspondence and evidence associated. Exception Cleared.<br>Buyer Comment (2025-10-14): Per Lender: See attached correspondence between [Redacted] and I. She regularly pulls the [Redacted] reports for our company and wasn't able to locate a business report for this borrower's business -- likely because it was newly formed. Do you have any other suggestions on what we can provide? We submitted the previous report for the individual, because those were the only results that would populate. Thank you.<br>Buyer Comment (2025-10-14): LOE<br>Reviewer Comment (2025-10-08): Noted fraud report for borrower however fraud report for business entity "[Redacted]" required. exception remains.<br>Buyer Comment (2025-10-07): Fraud Report | 10/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9501389 | [Redact] |  | 35112031 |  | 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. |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (2025-11-05): Received the BPO, acceptable per client attestation.<br>Buyer Comment (2025-11-04): Please clear section [Redacted] of the guides only state it must be signed and dated. Post closing is acceptable<br>Reviewer Comment (2025-11-04): Received Business purpose Certificate however per [Redacted] V8 Guideline "Business Purpose and Occupancy Affidavit signed by the borrower prior to closing declaring that the property is or will be used for a business or investment purpose only is required, however provided Copy signed after closing date. Exception Remains<br>Buyer Comment (2025-11-03): [Redacted]<br>Reviewer Comment (2025-09-30): Received Occupancy certificate however required notarized Business purpose certificate to confirm the purpose of proceed received. Exception remains.<br>Buyer Comment (2025-09-29): Occupancy Affidavit | 11/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9501389 | [Redact] |  | 35112032 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | EMD Deposit receipt of $[Redacted] is missing in file. |  |  |  | Reviewer Comment (2025-10-10): Received Wire confirmation for EMD and associated the same accordingly. Exception Cleared.<br>Buyer Comment (2025-10-09): Wire<br>Reviewer Comment (2025-09-30): Received bank statement confirming the withdrawal of funds however need Deposit receipt or any supporting document that reflects the EMD is received by the recipient. Exception remains.<br>Buyer Comment (2025-09-29): Assets | 10/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9503114 | [Redact] |  | 35112035 |  | 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 covering a minimum of [Redacted] months is required for the subject property. |  |  |  | Reviewer Comment (2025-10-24): Received HO-6 Policy with Rent Loss. Premium amount increased with $[Redacted] cents then Lender used amount. No further documentation require. Exception Cleared<br>Buyer Comment (2025-10-23): HOI | 10/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9503114 | [Redact] |  | 35112036 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Require Fraud report for [Redacted] and [Redacted]. |  |  |  | Reviewer Comment (2025-10-22): Received Fraud Report for Both borrower. Exception Cleared<br>Buyer Comment (2025-10-21): FR | 10/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9503114 | [Redact] |  | 35112037 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | CDA is required since no CU risk score is provided in the file. |  |  |  | Reviewer Comment (2025-10-27): Noted UCDP report reflects CU score is less than [Redacted] and No CDA required per guide for CU score < than [Redacted].<br>Buyer Comment (2025-10-24): UCDP | 10/27/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9503114 | [Redact] |  | 35112039 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The loan file must include documentation detailing the DSCR calculation |  |  |  | Reviewer Comment (2025-10-22): Received DSCR calculation Worksheet. Exception Cleared<br>Buyer Comment (2025-10-21): Worksheet | 10/22/2025 |  |  | 1 C A D |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9503114 | [Redact] |  | 35112040 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | File does not contain documentation from lender/seller confirming the condo is warrantable. Verify data entry and set exception. |  |  |  | Reviewer Comment (2025-10-22): Project is [Redacted] Unit. Project Approval not require per FNMA Guideline. Exception Cleared<br>Buyer Comment (2025-10-21): Conod | 10/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9503114 | [Redact] |  | 35112041 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Missing evidence of HO-6 Insurance policy for $[Redacted] per year. |  |  |  | Reviewer Comment (2025-10-24): Received HO-6 Policy with Rent Loss. Premium amount increased with $[Redacted] cents/monthly then Lender used amount. No further documentation require. Exception Cleared<br>Reviewer Comment (2025-10-22): Received Same Mast Policy, however Require HO-6 Insurance policy for $[Redacted] per year. Exception Remains<br>Buyer Comment (2025-10-21): HOI | 10/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9503114 | [Redact] |  | 35112042 |  | 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. |  | Missing executed BPC |  |  |  | Reviewer Comment (2025-10-22): Received Signed Business purpose Certificate. Exception Cleared<br>Buyer Comment (2025-10-21): BPC | 10/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9503114 | [Redact] |  | 35112043 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Missing evidence of [Redacted] mortgage payments for acct#[Redacted] and #[Redacted]. Statement provided are for evidence of [Redacted] payments and due for [Redacted]. Does not confirm July payments made timely. |  |  |  | Reviewer Comment (2025-10-31): Received Mortgage payment due for [Redacted] confirming payment made for [Redacted]. Exception cleared.<br>Buyer Comment (2025-10-30): Statements | 10/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9503232 | [Redact] |  | 35112045 |  | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Appraiser has disciplinary action with no end date. |  | Available Appraisal report is dated after closing date. Require Original Appraisal For review. |  |  |  | Reviewer Comment (2025-10-24): Received Original appraisal. Exception Cleared<br>Buyer Comment (2025-10-23): Lam original appraisal and proof of delivery | 10/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9503232 | [Redact] |  | 35112046 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Missing evidence of payment for July for mtg acct #'s,[Redacted] |  |  |  | Reviewer Comment (2025-11-03): Received Mortgage statement for #[Redacted] and #[Redacted] confirming payments for [Redacted] were received. Exception cleared.<br>Buyer Comment (2025-10-31): Mortgage payments<br>Reviewer Comment (2025-10-29): Noted. require [Redacted] payment history only for these two [Redacted] and [Redacted] to meet guide requirement. Exception remains<br>Buyer Comment (2025-10-28): per seller: The UW cannot locate Mtg Account # [Redacted] on the credit report . Please double check which property mortgage statement you actually need.<br>Reviewer Comment (2025-10-24): Received Mortgage statement and pay history confirming payment for Mortgage Acct # [Redacted], [Redacted], [Redacted], [Redacted] and [Redacted]. We need Evidence of payment for [Redacted] for Mtg Account # [Redacted], [Redacted] and [Redacted] to meet guide requirement. Exception remains<br>Buyer Comment (2025-10-23): Mortgage statements | 11/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9501876 | [Redact] |  | 35112048 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Require fraud report for both Entity and Guarantor.([Redacted]) |  |  |  | Reviewer Comment (2025-11-11): Noted fraud report. exception cleared.<br>Buyer Comment (2025-11-10): Fraud rpt with correct business entity circled in red<br>Reviewer Comment (2025-11-07): Received the same Fraud Report of business with incorrect business name r per Note Correct Name is [Redacted] whereas Fraud report noted [Redacted]. Require updated Fraud report with Correct Business name. Exception Remains<br>Buyer Comment (2025-11-05): fraud rpt<br>Reviewer Comment (2025-11-04): Received Fraud Report of business, however business name reflect incorrect. per Note Correct Name is [Redacted] whereas Fraud report noted [Redacted]. Require updated Fraud report with Correct Borrower name. Exception Remains<br>Buyer Comment (2025-11-03): fraud rpt<br>Reviewer Comment (2025-10-24): Received Individual Guarantor Fraud Report, still missing Separate Full Fraud Report for Business entity. Exception Remains<br>Buyer Comment (2025-10-22): fraud rpt | 11/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9501876 | [Redact] |  | 35112049 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Require operating agreement for "[Redacted]" |  |  |  | Reviewer Comment (2025-10-24): Received Operating agreement. Exception Cleared<br>Buyer Comment (2025-10-23): operating agreement | 10/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9501876 | [Redact] |  | 35112051 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report missing for Borrower/Guarantor. |  |  |  | Reviewer Comment (2025-11-12): Received fraud report for the entity. Exception cleared.<br>Buyer Comment (2025-11-11): fraud rpt<br>Reviewer Comment (2025-11-07): Received the same Fraud Report of business with incorrect business name r per Note Correct Name is [Redacted] whereas Fraud report noted [Redacted]. Require updated Fraud report with Correct Business name. Exception Remains<br>Buyer Comment (2025-11-05): fraud rpt<br>Reviewer Comment (2025-11-04): Received Fraud Report of business, however business name reflect incorrect. per Note Correct Name is [Redacted] whereas Fraud report noted [Redacted]. Require updated Fraud report with Correct Borrower name. Exception Remains<br>Buyer Comment (2025-11-03): fraud rpt<br>Reviewer Comment (2025-10-24): Still missing Fraud Report for Business entity as only Guarantor Fraud report provided. Exception Remains<br>Buyer Comment (2025-10-22): fraud rpt | 11/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9501876 | [Redact] |  | 35112052 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is missing in the file and is required as per guide. |  |  |  | Reviewer Comment (2025-10-24): Received OFAC For Borrower. Exception Cleared<br>Buyer Comment (2025-10-22): ofac | 10/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9501876 | [Redact] |  | 35112053 |  | 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. |  | Business Purpose Certificate is required. |  |  |  | Reviewer Comment (2025-10-24): Signed business purpose Certificate provided. Exception Cleared<br>Buyer Comment (2025-10-22): business purpose | 10/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9613076 | [Redact] |  | 35112055 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Business assets used from various entities, missing evidence of enfettered access. Acct#[Redacted] |  |  |  | Reviewer Comment (2025-10-31): Received Final 1003 and updated 1008 with required assets updated. Exception cleared,<br>Buyer Comment (2025-10-30): 1008<br>Buyer Comment (2025-10-30): 1003- including fidelity #[Redacted]<br>Reviewer Comment (2025-10-29): Noted Updated 1003 & 1008. Not considering funds from these(Acct# [Redacted], #[Redacted], #[Redacted], #[Redacted], #[Redacted], #[Redacted], #[Redacted], #[Redacted].) however [Redacted] account [Redacted] Investments xxxx[Redacted] used [Redacted]% for closing & reserves not reflecting on 1003, please update the 1003 & 1008 with [Redacted] Investments xxxx[Redacted] to meet the funds for closing/reserves. exception remains.<br>Buyer Comment (2025-10-28): NON-DEL ELIGIBILITY CERT<br>Buyer Comment (2025-10-28): 1008<br>Buyer Comment (2025-10-28): 1003 removing all addt'l accounts not in borrower's name - sufficient funds still verified. | 10/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9693967 | [Redact] |  | 35112058 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Business funds can be used for down payment and cash reserves if the borrower(s)/guarantor(s) own at least [Redacted]% of the business. The ownership percentage must be verified via CPA/Tax Preparer, Operating Agreement or equivalent and all nonborrowing owners must provide a signed and dated letter acknowledging the transaction and confirming the borrower's access to the funds. (Statement provided shows borrower as sole proprietor). |  |  |  | Reviewer Comment (2025-10-28): Received CPA letter confirmed Borrower owned [Redacted]% of Business. Exception Cleared<br>Buyer Comment (2025-10-27): cpa letter | 10/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9693967 | [Redact] |  | 35112059 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The loan file must include documentation detailing the DSCR calculation, such as the 1008, Loan Approval or a DSCR Calculation Worksheet, not found at time of review. |  |  |  | Reviewer Comment (2025-10-31): Received email communication detailing the DSCR calculation. Exception cleared.<br>Buyer Comment (2025-10-30): loe-dscr<br>Reviewer Comment (2025-10-28): Received DSCR calculation worksheet however noted Incorrect PITIA . Correct PITIA is $[Redacted] whereas Calculation worksheet noted $[Redacted]. Exception Remains<br>Buyer Comment (2025-10-27): dscr worksheet | 10/31/2025 |  |  | 1 C A D |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9693967 | [Redact] |  | 35112060 |  | 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. |  | Business Purpose Certificate not found at time of review. |  |  |  | Reviewer Comment (2025-10-28): Received Signed Business Purpose Certificate. Exception Cleared<br>Buyer Comment (2025-10-27): business purpose | 10/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9693967 | [Redact] |  | 35112062 |  | 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. Require Collateral Desktop Analysis (CDA) from [Redacted] or an Appraisal Risk Review (AAR) from [Redacted] for each loan with no collateral underwriter (CU) score. |  |  |  | Reviewer Comment (2025-10-28): Received UCDP with CU score less than [Redacted] CDA not require. Exception Cleared<br>Buyer Comment (2025-10-27): ucdp | 10/28/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9693967 | [Redact] |  | 35112063 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report not provided for borrower "[Redacted]". |  |  |  | Reviewer Comment (2025-10-28): Received Fraud Report for borrower. Exception cleared<br>Buyer Comment (2025-10-27): fraud rpt | 10/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9694751 | [Redact] |  | 35112064 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  |  |  |  |  | Buyer Comment (2025-10-28): Acknowledged non-material |  |  | 10/28/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9694751 | [Redact] |  | 35112065 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | No Evidence of initial or final Title in the file. |  |  |  | Reviewer Comment (2025-10-31): Received Final title policy Covering the loan amount. Exception cleared<br>Buyer Comment (2025-10-30): title | 10/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9694751 | [Redact] |  | 35112066 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance coverage amount is insufficient by [Redacted] under the replacement cost estimate. Require revised HOI to cover the shortfall. |  |  |  | Reviewer Comment (2025-11-06): Received Hazard Insurance Extra replacement Endorsement confirmed additional [Redacted]% Coverage available to cover the cost of repairs and replacement. Exception Cleared<br>Buyer Comment (2025-11-04): RCE LOE<br>Buyer Comment (2025-11-04): HOI and RCE<br>Reviewer Comment (2025-11-03): Rebuild Cost provided $[Redacted] whereas Dwelling Coverage Provided $[Redacted] which is less than the rebuild cost. Coverage must be equal to loan amount or it should be equal to or more than rebuild cost. Exception Remains<br>Buyer Comment (2025-10-31): HAZARD | 11/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9694751 | [Redact] |  | 35112067 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided |  | No Evidence of initial or final Title in the file. |  |  |  | Reviewer Comment (2025-10-31): Received Final title policy Covering the loan amount. Exception cleared<br>Buyer Comment (2025-10-30): title | 10/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9694751 | [Redact] |  | 35112068 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The Business Fraud Report is missing from the loan file. |  |  |  | Reviewer Comment (2025-11-03): Received Fraud report for Business entity. Exception Cleared<br>Buyer Comment (2025-10-31): [Redacted] | 11/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9806465 | [Redact] |  | 35112071 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Missing [Redacted] for the Broken Window as per photos in the appraisal report. |  |  |  | Reviewer Comment (2025-11-05): Received 442 With Repair of Broken Window. Exception cleared<br>Buyer Comment (2025-11-03): 442 | 11/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| [Redact] | 9806465 | [Redact] |  | 35112072 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The [Redacted]appraisal was not provided. Per guidelines, [Redacted] appraisals are required as the loan amount is greater than $[Redacted]. |  |  |  | Reviewer Comment (2025-11-05): Received 2nd Full Appraisal. Exception Cleared<br>Buyer Comment (2025-11-03): 2nd appraisal | 11/05/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| [Redact] | 9806465 | [Redact] |  | 35112073 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | DSCR Calculation Worksheet is missing with DSCR ratio. |  |  |  | Reviewer Comment (2025-11-05): Received DSCR calculation worksheet. Exception Cleared<br>Buyer Comment (2025-11-03): 1008 with calculation | 11/05/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| [Redact] | 9806465 | [Redact] |  | 35112074 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Guidelines require a [Redacted]-month housing history on the subject property, primary residence and all additional financed properties. Only the subject property and primary residence must be listed on the application and the housing history requirements for additional financed properties (properties other than the subject property and primary residence) are limited to properties with mortgages reflected on the credit report. All payment histories must reflect [Redacted] measured from the credit report date. On the credit report date [Redacted], the existing mortgage(s) must be current, which means that no more than [Redacted] days have elapsed since the last paid installment date.<br> Need VOM for [Redacted] [Redacted] for [Redacted] #[Redacted] and [Redacted] #[Redacted]. |  |  |  | Reviewer Comment (2025-11-05): Received [Redacted] Payment verification for Account # [Redacted] and [Redacted]. Exception cleared<br>Buyer Comment (2025-11-03): VOMs - URL shows [Redacted] ([Redacted]) last 3 of the loan numbers are on each screen shot | 11/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| [Redact] | 9769235 | [Redact] |  | 35112076 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Require tax certificate for the subject property. |  |  |  | Reviewer Comment (2025-11-07): Received Tax cert Lender used milage Rate [Redacted] used for qualification. Exception cleared<br>Buyer Comment (2025-11-05): Please see updated Milliage rate of [Redacted]<br>Reviewer Comment (2025-11-04): Noted. Tax certificate provided annual tax $[Redacted] and $[Redacted]/month however lender used $[Redacted] annual and $[Redacted] / months. require correct tax information calculation sheet or updated first payment letter, Initial Escrow Account Disclosure, PCCD matching annual tax $[Redacted] & $[Redacted] / month. exception remains.<br>Buyer Comment (2025-11-03): Property Tax | 11/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9694614 | [Redact] |  | 35112078 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Lease Agreement is missing for Unit[Redacted]. |  |  |  | Reviewer Comment (2025-11-04): Noted. lease agreement. exception cleared<br>Buyer Comment (2025-11-03): Agreement For Unit [Redacted] and [Redacted] | 11/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| [Redact] | 9694614 | [Redact] |  | 35112079 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | DSCR Calculation Worksheet is missing with DSCR ratio. |  |  |  | Reviewer Comment (2025-11-04): Noted. DSCR Calculation Worksheet. exception cleared<br>Buyer Comment (2025-11-03): DSCR Cal | 11/04/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| [Redact] | 9735213 | [Redact] |  | 35112083 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation is required. |  |  |  | Reviewer Comment (2025-11-18): Articles of Organization/Formation is provided in file for [Redacted]. Exception cleared<br>Buyer Comment (2025-11-14): AOO<br>Reviewer Comment (2025-11-10): Received EIN, Operating agreement, Certificate of Good standing, however Articles of Organization is missing. Exception Remains<br>Buyer Comment (2025-11-06): [Redacted] | 11/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9735213 | [Redact] |  | 35112084 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is required. |  |  |  | Reviewer Comment (2025-11-10): Received Certificate of good standing. Exception Cleared<br>Buyer Comment (2025-11-06): COGS | 11/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9735213 | [Redact] |  | 35112085 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is required. |  |  |  | Reviewer Comment (2025-11-10): Received Operating agreement. Exception cleared<br>Buyer Comment (2025-11-07): Lender's response: this is an LLC with an operating agreement not a corporation. | 11/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9735213 | [Redact] |  | 35112086 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | EIN is required. |  |  |  | Reviewer Comment (2025-11-10): Received EIN Verification. Exception cleared<br>Buyer Comment (2025-11-06): EIN | 11/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9735213 | [Redact] |  | 35112087 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Guarantor Agreement is required. |  |  |  | Reviewer Comment (2025-11-10): Received guarantor agreement. Exception cleared<br>Buyer Comment (2025-11-06): [Redacted] | 11/10/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9735213 | [Redact] |  | 35112088 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement for business "[Redacted]" is missing. |  |  |  | Reviewer Comment (2025-11-10): Received Operating agreement. Exception cleared<br>Buyer Comment (2025-11-06): [Redacted] | 11/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9735213 | [Redact] |  | 35112089 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Guidelines require a [Redacted]-month housing history on the subject property, primary residence and all additional financed properties. Only the subject property and primary residence must be listed on the application and the housing history requirements for additional financed properties (properties other than the subject property and primary residence) are limited to properties with mortgages reflected on the credit report. All payment histories must reflect [Redacted] measured from the credit report date. On the credit report date, the existing mortgage(s) must be current, which means that no more than [Redacted] days have elapsed since the last paid installment date.<br> Need updated VOM for [Redacted] - [Redacted] for [Redacted] [Redacted] |  |  |  | Reviewer Comment (2025-11-10): Received Credit supplement and pay history for Account [Redacted] #[Redacted], #[Redacted], #[Redacted], #[Redacted], #[Redacted], and #[Redacted].. Exception Cleared<br>Buyer Comment (2025-11-06): Credit Supp | 11/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9615758 | [Redact] |  | 35112092 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Require updated note to reflect I/O terms. Loan is Interest Only however Note does not show interest only terms. Rate ock reflects I/O . Please confirm, |  |  |  | Reviewer Comment (2025-11-13): Received Note with I/O Note and ARM disclosure for I/O period. Exception cleared.<br>Buyer Comment (2025-11-12): ARM disclosure<br>Buyer Comment (2025-11-12): Note | 11/13/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9804487 | [Redact] |  | 35112094 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided |  | Rider - 1-4 Family is missing in file. |  |  |  | Reviewer Comment (2025-11-07): Received 1-4 Family Rider. Exception cleared<br>Buyer Comment (2025-11-05): Rider attached | 11/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9804487 | [Redact] |  | 35112095 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report for the borrower is missing in file. |  |  |  | Reviewer Comment (2025-11-12): Received [Redacted] document confirmed no match. Exception Cleared<br>Buyer Comment (2025-11-10): [Redacted]<br>Reviewer Comment (2025-11-07): Received fraud report however Lender did not address the High altert, Borrower name was possible match found on [Redacted], however no evidence being address by Lender provided. Exception Remains<br>Buyer Comment (2025-11-05): Fraud Report | 11/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9804487 | [Redact] |  | 35112098 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC report for the borrower is missing in file. |  |  |  | Reviewer Comment (2025-11-07): Received OFAC. Exception cleared<br>Buyer Comment (2025-11-05): OFAC | 11/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9804487 | [Redact] |  | 35112099 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Per guidelines, the loan file must include documentation detailing the DSCR calculation, such as the 1008, Loan Approval or a DSCR Calculation Worksheet. Missing DSCR Calculation. |  |  |  | Reviewer Comment (2025-11-07): Received DSCR Calculation worksheet. Exception cleared<br>Buyer Comment (2025-11-06): 1008 | 11/07/2025 |  |  | 1 C A D |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9809556 | [Redact] |  | 35112100 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Guidelines require a VOM that is current on the Credit Report Date ([Redacted]), which means no more than [Redacted] days have elapsed since the last paid installment date. Need VOM for [Redacted]. LDA [Redacted]. Assurance #[Redacted]. |  |  |  | Reviewer Comment (2025-11-07): Received Payoff statement confirmed Payment die for [Redacted] which confirmed Payment till [Redacted] included in Payoff amount. Exception Cleared<br>Buyer Comment (2025-11-05): payoff statement | 11/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9694514 | [Redact] |  | 35112104 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Missing a Fraud Report. |  |  |  | Reviewer Comment (2025-11-07): Received Fraud Report. Exception Cleared<br>Buyer Comment (2025-11-05): fraud rpt | 11/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9694514 | [Redact] |  | 35112105 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | DSCR Calculation Worksheet is missing with DSCR ratio. |  |  |  | Reviewer Comment (2025-11-07): Received DSCR calculation worksheet. Exception Cleared<br>Buyer Comment (2025-11-05): DSCR calculation | 11/07/2025 |  |  | 1 C A D |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9694514 | [Redact] |  | 35112106 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Tax Certificate is missing for subject property. |  |  |  | Reviewer Comment (2025-11-13): Received PCCD and 1003 with Correction in Tax amount. Exception Cleared<br>Buyer Comment (2025-11-11): CD<br>Buyer Comment (2025-11-11): Updated URLA with corrected estimated property taxes and PCCD letter and PCCD<br>Reviewer Comment (2025-11-11): Received tax cert with calculation. Lender used $[Redacted] for qualification whereas Provided Tax cert and calculation noted $[Redacted]. updated 1003 and PCCD with change in Tax amount to $[Redacted] as Variance is more than $[Redacted]. Exception Remains<br>Buyer Comment (2025-11-07): Seller tax calculations | 11/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9809555 | [Redact] |  | 35112108 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final closing disclosure is missing. CD provided dated [Redacted] has a closing date of [Redacted]. Loan closed [Redacted]. |  |  |  | Reviewer Comment (2025-11-13): Received Final CD. Exception Cleared<br>Buyer Comment (2025-11-11): CD | 11/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9732548 | [Redact] |  | 35112111 |  | Credit | Credit | Credit Eligibility | Credit | Unacceptable credit - outstanding tax lien(s) with no payment arrangements. |  | Tax Lien $[Redacted] and $[Redacted] present on Title Commitment. and require lien release on or before closing. LOE noted, 1. provide evidence how paid assets are insufficient cover this obligation and 2. provide updated title showing omitted |  |  |  | Reviewer Comment (2025-11-17): Received Title company email confirmation Borrower has paid Tax lien (more than above amount) and Lien will be removed from final Title policy. exception Cleared<br>Buyer Comment (2025-11-14): Please see LOE email from title confirming that the liens are paid off and will not be on the final title.<br>Buyer Comment (2025-11-13): See bank statement (D033) for IRS payment. (D0484) correspondence from title stating tax liens will not report on final policy. | 11/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9732163 | [Redact] |  | 35112113 |  | Credit | Credit | Credit Eligibility | Credit | Unacceptable credit - outstanding tax lien(s) with no payment arrangements. |  | Tax Lien $[Redacted] and $[Redacted] present on Title Commitment. and require lien release on or before closing. LOE noted, 1. provide evidence how paid assets are insufficient cover this obligation and 2. provide updated title showing omitted |  |  |  | Reviewer Comment (2025-11-18): Received Title Company email confirmation states Borrower has paid the Lien amount and Lien information will be removed in Final title. Payment Verification provide. Exception Cleared<br>Buyer Comment (2025-11-14): Please see email LOE from title confirming these liens were paid. Final title policy does not come out for 30 days after close. This is verification from title that they will not be on title. | 11/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9983337 | [Redact] | [Redact] | 35130406 |  | 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 (2025-12-17): Waived on Rate Lock: Collateral cleared by Custodian | 12/17/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9844380 | [Redact] |  | 35198496 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] Vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | EV2 informational |  |  |  | Buyer Comment (2025-11-14): Acknowledged non-material EV2 |  |  | 11/14/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | N/A | Yes |
| [Redact] | 9844380 | [Redact] |  | 35198498 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Require Condo Warrantable documentation as File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | Reviewer Comment (2025-12-01): Received Lender certified Condo Project approval. Exception Cleared<br>Buyer Comment (2025-11-26): Project warranty documents | 12/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Non QM | N/A | No |
| [Redact] | 9844380 | [Redact] |  | 35198499 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Provide tax certificate to verify the tax amount of [Redacted] per month |  |  |  | Reviewer Comment (2025-11-28): Received Tax Verification for REO [Redacted], Exception Cleared<br>Buyer Comment (2025-11-25): tax cert | 11/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Non QM | N/A | No |
| [Redact] | 9844380 | [Redact] |  | 35198500 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Require Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to [Redacted] purchase is required with one of the following as it is missing in file for "[Redacted]"<br> : <br> • Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations.<br>Compliance related |  |  |  | Reviewer Comment (2025-12-01): Received Business website demonstrating activity supporting current business operations. Borrower Business is Real Estate Agent. Exception Cleared<br>Buyer Comment (2025-11-26): business license<br>Buyer Comment (2025-11-26): Current [Redacted] business site | 12/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Non QM | N/A | No |
| [Redact] | 9365602 | [Redact] |  | 35198505 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | -Fraud report is missing in file for [Redacted] |  |  |  | Reviewer Comment (2025-10-28): Received fraud report for the entity "[Redacted]: Exception cleared.<br>Buyer Comment (2025-10-27): Fraud report, entity is listed as borrower 2 on page 4. | 10/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9365602 | [Redact] |  | 35198507 |  | Credit | Credit | Miscellaneous | Credit | Reverification of mortgage is inconsistent with original VOM |  | • If a borrower is refinancing a privately held mortgage the following payment verification requirements apply:<br> o The privately held mortgage payments must be verified with either cancelled checks or bank statements (if the payment is automatically withdrawn from the<br> borrower's account). |  |  |  | Reviewer Comment (2025-11-20): Noted pay history for 12 months. exception cleared.<br>Buyer Comment (2025-11-18): BANK STATEMENT TO SUPPORT MORTGAGE PAYMENTS | 11/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9365602 | [Redact] |  | 35198508 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Subject transaction locked with [Redacted]-year prepayment, calculated at [Redacted]%. Loan delivered with no prepayment penalty documentation. Subject transaction will be re-priced with no prepayment penalty. Please confirm subject transaction has no prepayment penalty |  |  |  | Reviewer Comment (2025-11-20): Cleared<br>Buyer Comment (2025-11-19): Please cancel - {Per Lender: We are going to move forward and keep this as a no prepayment penalty loan.) Loan will be repriced with no PPP. | 11/20/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | Yes |
| [Redact] | 9844272 | [Redact] |  | 35198510 |  | Credit | Missing Document | General | Missing Document | Missing Document: Condo/PUD Warranty not provided |  | Project approval document is available , however project approval is expired. |  |  |  | Reviewer Comment (2025-11-04): Note. project approval doc. exception cleared.<br>Buyer Comment (2025-11-03): CPM | 11/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9844272 | [Redact] |  | 35198511 |  | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification (Asset) not provided |  | Business assets used. Business funds can be used for down payment and cash reserves if the borrower(s)/guarantor(s) own at least [Redacted]% of the business. CPA did not confirm percentage. Letter from spouse in file states [Redacted]% access. However, the balance of the business assets must be multiplied by the ownership percentage to determine the borrower's portion of business assets allowed for the transaction. Unable to confirm percentage allowed to be used. Percentage of funds to be considered subject to change. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | [Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-11-28): Investor exception provided.<br>Buyer Comment (2025-11-28): investor approved exception<br>Buyer Comment (2025-11-28): per lender: Comments from Underwriter - The [Redacted] K1 is in file for [Redacted] reflecting borrower is [Redacted]% owner. I did not include the [Redacted] as we are not using any funds from this account. The 1008 is noted that the [Redacted] that came from this account was negated from the [Redacted] account so this would not be needed.<br>Reviewer Comment (2025-11-03): Noted. A/A and Business SOS search do reflects borrower ownership %. require document to verify ownership percentage must be verified via CPA/Tax Preparer, Operating Agreement or equivalent. exception remains.<br>Buyer Comment (2025-10-31): operating agreement and corp docs |  |  | 11/28/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9732713 | [Redact] |  | 35198512 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report for the entity "[Redacted]" is missing in file. |  |  |  | Reviewer Comment (2025-11-19): Fraud report for the entity "[Redacted]" is provided. Exception cleared<br>Buyer Comment (2025-11-17): Fraud report<br>Reviewer Comment (2025-11-11): Fraud report require for business "[Redacted]". exception remains. noted for borrower fraud report. exception remains.<br>Buyer Comment (2025-11-10): business listed as borrower<br>Reviewer Comment (2025-11-05): Received Fraud report reflects entity name as other [Redacted] and not borrower. Provide fraud report for entity from the following vendors: [Redacted], [Redacted], Drive report, [Redacted] Data. Exception Remains.<br>Buyer Comment (2025-11-04): fraud guard | 11/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9732140 | [Redact] |  | 35198515 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Replacement cost estimator not provided. $[Redacted] shortfall. |  |  |  | Reviewer Comment (2025-11-25): Provided<br>Buyer Comment (2025-11-25): See attached confirmation of [Redacted]% guaranteed replacement cost coverage.<br>Reviewer Comment (2025-11-25): Received same Insurance Policy and email which states used Insurance outline in lieu of RCE, however it does not include any Rebuild amount to verify. Additionally [Redacted]% Replacement cost listed in HOI Policy is Generally up to the dwelling limit which is less than the loan amount, additionally it does not confirm Guaranteed replacement cost. Either Require HOI with increase Dwelling Coverage or Insurer to provide [Redacted] or insurer states in an email that coverage was made to the [Redacted]. Exception Remains<br>Buyer Comment (2025-11-21): The [Redacted] is $[Redacted]. The insurance company will not insure greater than that value. The dwelling coverage is $[Redacted]. I follow the agency guidelines on how to calculate insurance coverage - according to FNMA/Freddie, there is sufficient insurance. Per [Redacted] guidelines - we also have sufficient insurance.. The [Redacted] is in the file (and attached)<br>Reviewer Comment (2025-11-18): Received RCE, however rebuild cost shows $[Redacted] whereas Coverage was provided $[Redacted] which is less than rebuild cost amount. Coverage must be equal to or more than RCE amount. Exception Remains<br>Buyer Comment (2025-11-14): See attached RCE.<br>Reviewer Comment (2025-11-11): Received same Insurance Policy and email which states used Insurance outline in lieu of RCE, however it does not include any Rebuild amount to verify. Additionally [Redacted]% Replacement cost listed in HOI Policy is Generally up to the dwelling limit which is less than the loan amount, additionally it does not confirm Guaranteed replacement cost. Either Require HOI with increase Dwelling Coverage or Insurer to provide [Redacted] or insurer states in an email that coverage was made to the [Redacted]. Exception Remains<br>Buyer Comment (2025-11-07): See attached. | 11/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9732140 | [Redact] |  | 35198516 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Subject property street address "[Redacted]" on the Hazard Insurance, Title Commitment, Purchase Contract, does not match the Note address [Redacted]. Provide updated HOI, Title, and contract. |  |  |  | Reviewer Comment (2025-11-21): Received updated Title Commitment with subject property as [Redacted]. Exception cleared<br>Buyer Comment (2025-11-19): See attached title commitment.<br>Reviewer Comment (2025-11-18): Received Updated HOI, Purchase contract, however still missing Title commitment report with correction Address. exception remains<br>Buyer Comment (2025-11-14): See attached HOI and PC. | 11/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9732140 | [Redact] |  | 35198517 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Missing a Fraud Report for [Redacted]. |  |  |  | Reviewer Comment (2025-11-11): Received Business entity Fraud report. Exception cleared<br>Buyer Comment (2025-11-07): See attached [Redacted] reports. | 11/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9732140 | [Redact] |  | 35198518 |  | Property | Valuation | Guideline | Valuation | Property is in a declining market. |  | Require primary appraiser to address the CDA declining trend reporting in CDA Report. |  |  |  | Reviewer Comment (2025-11-21): Noted appraiser comment on appraisal report stating : Trend on the CDA report was very limited in explanation and details and could have been impacted by the initial subject listing price being above market value. exception cleared.<br>Buyer Comment (2025-11-19): See attached CDA report. See page 8 for the commentary needed.<br>Reviewer Comment (2025-11-12): Appraiser must comment.<br>Buyer Comment (2025-11-10): See attached explanation from our UW. | 11/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9603493 | [Redact] |  | 35198520 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Require Updated note with Interest Only feature. Loan is an I/O However, Note does not have any details of Interest Only. As per rate lock doc it is interest only for [Redacted] months. |  |  |  | Reviewer Comment (2025-11-18): Received interest only Note. exception Cleared<br>Buyer Comment (2025-11-14): IO Note | 11/18/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A C |  | N/A | No |
| [Redact] | 9603493 | [Redact] |  | 35198521 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Assets provided are a ledger statement from an unverified entity. Missing copies of asset statements from a bona fide source. |  |  |  | Reviewer Comment (2025-11-18): Atty letter accepted as trustee, defer to FNMA<br>Buyer Comment (2025-11-17): Per Lender: This is a trust account held with an attorney for a lawsuit settlement. The funds are held in their account. How else would I verify this?<br>Buyer Comment (2025-11-17): Wires | 11/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A C |  | N/A | No |
| [Redact] | 9603493 | [Redact] |  | 35198522 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Assets provided are a ledger statement from an unverified entity. Missing copies of asset statements from a bona fide source. |  |  |  | Reviewer Comment (2025-11-18): Atty letter accepted as trustee, defer to FNMA<br>Buyer Comment (2025-11-14): Ledger and Letter | 11/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A C |  | N/A | No |
| [Redact] | 9603493 | [Redact] |  | 35198525 |  | 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. |  | Missing executed BPC, Document provided was notarized but not signed by borrower |  |  |  | Reviewer Comment (2025-11-28): BPC provided is sufficient.<br>Buyer Comment (2025-11-28): BPC is acceptable post-closing , guides don't state it must be prior to closing only that it must be signed<br>Reviewer Comment (2025-11-26): Received Post close BPC, per Guideline "A Statement of Business Purpose and Occupancy Affidavit signed by the borrower prior to closing" Provide Investor acceptability of Post close BPC. Exception Remains<br>Buyer Comment (2025-11-24): BPA | 11/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A C |  | N/A | No |
| [Redact] | 9693849 | [Redact] |  | 35198527 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | DSCR Calculation Worksheet is missing in file. |  |  |  | Reviewer Comment (2025-11-20): DSCR Calculation is provided in 1008 comment. Exception cleared<br>Buyer Comment (2025-11-18): 1008 with calculations | 11/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9693850 | [Redact] |  | 35198529 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | DSCR Calculation Worksheet is missing with DSCR ratio. |  |  |  | Reviewer Comment (2025-11-19): DSCR Calculation is provided in 1008 comment and associated as worksheet. Exception cleared<br>Buyer Comment (2025-11-17): 1008 | 11/19/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9807755 | [Redact] |  | 35198531 |  | 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. |  | Lease agreement has expired on [Redacted]. An unexpired executed lease is required at the time of closing. |  |  |  | Reviewer Comment (2025-11-21): Renewal lease provided. exception cleared.<br>Buyer Comment (2025-11-19): updated lease | 11/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9808708 | [Redact] |  | 35198534 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | DSCR Calculation worksheet missing in the file. As per guide, The loan file must include documentation detailing the DSCR calculation, such as the 1008, Loan Approval or a DSCR Calculation Worksheet. |  |  |  | Reviewer Comment (2025-11-19): DSCR Calculation provided in 1008 comment. Exception Cleared<br>Buyer Comment (2025-11-17): 1008 | 11/19/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9808708 | [Redact] |  | 35198535 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | 1008 provided in the file is of different property address, require 1008 for subject property. |  |  |  | Reviewer Comment (2025-11-19): 1008 is provided but with correct subject property address. Exception cleared<br>Buyer Comment (2025-11-17): 1008 | 11/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9808468 | [Redact] |  | 35198537 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report required for business entity "[Redacted]" per guide. |  |  |  | Reviewer Comment (2025-11-21): Noted Fraud report for entity "[Redacted]" exception cleared.<br>Buyer Comment (2025-11-19): Here is the business report | 11/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9954493 | [Redact] |  | 35254026 |  | 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 (2025-08-05): Received Updated Appraisal with Rent comparable Properties photos. Exception Cleared<br>Buyer Comment (2025-08-01): Appraisal with rent comp photos<br>Reviewer Comment (2025-07-28): Received 2nd appraisal in lieu of CDA, however Rent comparable properties Photos not provided. Exception Remains<br>Buyer Comment (2025-07-24): 2nd appraisal provided | 08/05/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| [Redact] | 9954493 | [Redact] |  | 35254028 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient to cover the loan coverage amount. Missing [Redacted]. |  |  |  | Reviewer Comment (2025-07-28): Cleared. RCE amount provided.<br>Buyer Comment (2025-07-28): The insurance company did provide a "checklist" which included their replacement cost coverage of $[Redacted] which the policy covers."<br>Buyer Comment (2025-07-28): HOI Checklist reflecting RCE | 07/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| [Redact] | 9954494 | [Redact] |  | 35254030 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Tax amount has been updated as per Final CD and same has been verified from the First Payment Letter, required corrected Tax Certificate supporting Final CD and First Payment Letter.<br> As per tax certificate $[Redacted].<br> As per Final CD/First Payment Letter $[Redacted] |  |  |  | Reviewer Comment (2025-10-06): Amounts match on tax cert and CD. | 10/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9954494 | [Redact] |  | 35254031 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Lender Exception provided for allowing a borrower living rent free. The [Redacted] property is in the spouse's name. Guidelines do not allow living rent free. Confirm acceptance for downgrade consideration. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrower has owned the subject property for at least [Redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] vs [Redacted] | [Redact],Aggregator<br>[Redact]<br>[Redact] | Reviewer Comment (2025-10-06): Investor exception provided.<br>Buyer Comment (2025-10-04): Investor's approval |  |  | 10/06/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9954498 | [Redact] |  | 35254033 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | For the borrower's primary residence at [Redacted] we only have [Redacted] months of history provided by using the Fraud and Credit report. Provide the remaining 6 months. |  |  |  | Reviewer Comment (2025-10-09): Noted VOR from [Redacted] - [Redacted] for 7 months. previous to that property has not mortgage and purchased on cash for [Redacted] per fraud report. exception cleared.<br>Buyer Comment (2025-10-08): verification of mortgage. 2 months appear on page 4 of the credit report as well. | 10/09/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9954524 | [Redact] |  | 35254035 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided |  | Lender exception provided but not signed. Please review for acceptance. On DSCR program, borrower must own or rent their primary residence. Borrower lives rent free with relative for < [Redacted] years. Compensating Factors: Borrower is an experienced investor owning subject property since [Redacted] and has been rented > [Redacted]months with a [Redacted] year term DSCR is [Redacted]. VOM on subject property rated on Credit report > [Redacted] months |  |  |  | Reviewer Comment (2025-11-05): Not required when using the v6 guidelines. V6 guideline was not provided until after the loan was delivered. | 11/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9954524 | [Redact] |  | 35254036 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  | Buyer Comment (2025-11-04): Acknowledged non-material |  |  | 11/04/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9954508 | [Redact] |  | 35254066 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | As per guideline Business Narrative Form is required, which is not found in the file. |  |  |  | Reviewer Comment (2025-10-09): Received business narrative. exception Cleared<br>Buyer Comment (2025-10-07): Business Narrative | 10/09/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9954508 | [Redact] |  | 35254068 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific Exception have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-09): All Open Income/Asset ATR Exception has been cleared. Exception Cleared | 10/09/2025 |  |  | 1 B A C |  | [Redact] | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
| [Redact] | 9954508 | [Redact] |  | 35254069 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient documentation. This exception will be cleared once all ATR specific Exception have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-09): All Open Income/Asset ATR Exception has been cleared. Exception Cleared | 10/09/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9954508 | [Redact] |  | 35254070 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | As per Initial Escrow disclosure statement Initial deposit was $[Redacted]. However, as per Initial Escrow payment is $[Redacted]. Required CD with correct Initial Escrow amount. |  |  |  | Reviewer Comment (2025-10-09): Received updated Initial escrow disclosure. Exception Cleared<br>Buyer Comment (2025-10-07): IEADS | 10/09/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. | Non QM | Non QM | No |
| [Redact] | 9954515 | [Redact] |  | 35254094 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-10): Received CDA. Exception Cleared<br>Buyer Comment (2025-10-08): CDA | 10/10/2025 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [Redact] | 9954515 | [Redact] |  | 35254095 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  |  |  |  |  | Reviewer Comment (2025-10-08): Received 1008 for subject property. Exception Cleared<br>Buyer Comment (2025-10-06): 1008 | 10/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [Redact] | 9954515 | [Redact] |  | 35254096 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of [Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or[Redacted]%). | Non-QM designation, EV2 informational. |  |  |  | Buyer Comment (2025-10-02): Acknowledged non-material |  |  | 10/02/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B C A | Non QM | Non QM | No |
| [Redact] | 9954515 | [Redact] |  | 35254099 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted]% tolerance was exceeded by $[Redacted] due to increase of Recording Fee. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-10-16): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-10-15): LOE, PCCD and refund check |  | 10/16/2025 |  | 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 | No |
| [Redact] | 9954515 | [Redact] |  | 35254100 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Updated Final [Redacted]is required, as the provided final [Redacted]does not reflect the borrower's self-employed status. |  |  |  | Reviewer Comment (2025-10-08): Received updated Final 1003 which reflects the borrower's self employment status. Exception Cleared<br>Buyer Comment (2025-10-06): 1003 | 10/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [Redact] | 9954515 | [Redact] |  | 35254101 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-10-08): Received Approval. Exception Cleared<br>Buyer Comment (2025-10-06): Approval | 10/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [Redact] | 9954516 | [Redact] |  | 35254120 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-10-24): Received E-Sign Consent Agreement. Exception Cleared<br>Buyer Comment (2025-10-22): Econsent | 10/24/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 9954516 | [Redact] |  | 35254121 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1. Business Narrative Form is required. - The narrative should include the description/profile of the business, including the size/scope and operating profile, location(s), number of employees/contractors, estimated cost of goods sold (if any), commercial or retail client base, etc -<br> 2. Business - [Redacted].<br> Require Verification of Business document within [Redacted] days of the note date the business is active and operating as Current VVOE document for business is not within [Redacted] days of the Note date.- Business - [Redacted] |  |  |  | Reviewer Comment (2025-10-24): Received Business narrative and post close Business Search verification acceptable per Guideline. Exception Cleared<br>Buyer Comment (2025-10-24): The uploaded is from an applicable licensing bureau - the [Redacted] Comptroller. It indicates it has been in effect since [Redacted].<br>Buyer Comment (2025-10-23): Business Narrative | 10/24/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 9954516 | [Redact] |  | 35254125 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-24): All Open Income asset ATR Exception has been cleared. Exception Cleared<br>Buyer Comment (2025-10-24): Business search<br>Buyer Comment (2025-10-24): Please review- Business Narrative uploaded | 10/24/2025 |  |  | 1 B A C |  | [Redact] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
| [Redact] | 9954516 | [Redact] |  | 35254126 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to Insufficient income documentation the required Verification of business document and Business Narrative document required per Investor Guidelines was not provided causing the loan to waterfall through the ATR Testing. |  |  |  | Reviewer Comment (2025-10-24): All Open Income asset ATR Exception has been cleared. Exception Cleared<br>Buyer Comment (2025-10-24): Business search<br>Buyer Comment (2025-10-24): Please review business narrative uploaded | 10/24/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 9954510 | [Redact] |  | 35254138 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | For Borrower [Redacted] - Business[Redacted] income is qualified by [Redacted]months each Business Bank Statement Income with [Redacted] [Redacted] . The below given Income documents are required as they are missing in file.<br>- 1084 or Income Worksheet -[Redacted] with [Redacted] months each Business Bank Statement Income with [Redacted] #[Redacted].<br>- Business Narrative is required. - The narrative should include the description/profile of the business, including the size/scope and operating profile, location(s), number of employees/contractors, estimated cost of goods sold (if any), commercial or retail client base, etc.<br>- Require Verification of Business document within [Redacted] days of the note date the business is active and operating as Current VVOE document for business is not within [Redacted] days of the Note date.<br>- Validation by a third party that the business has been in operation for a minimum of two years and that the borrower had an ownership interest greater than [Redacted]% during that period of time. Third-party verification may include: <br> • Business license. <br> • Secretary of State filing. <br> • Letter from a regulatory agency, professional organization or applicable licensing bureau. <br> • CPA/Licensed Tax Preparer letter - if the borrower owns less than [Redacted]% of the business, the CPA/Licensed Tax Preparer letter must be provided to document their percentage of ownership. |  |  |  | Reviewer Comment (2025-11-04): Received Post close CPA Letter As verification of Business confirmed active business. Per guideline Post close verification acceptable. Exception Cleared<br>Buyer Comment (2025-11-03): CPA letter<br>Reviewer Comment (2025-10-29): Received business Verification, CPA letter, income worksheet however still missing Third party verification within [Redacted] days of Note date as Lender provided Certificate of occupancy (not acceptable source). Outdated/Expired Examining Board Certificate. Third-party verification may include: • Business license. • Secretary of State filing. • Letter from a regulatory agency, professional organization or applicable licensing bureau. • CPA/Licensed Tax Preparer letter - if the borrower owns less than [Redacted]% of the business, the CPA/Licensed Tax Preparer letter must be provided to document their percentage of ownership. Exception Remains<br>Buyer Comment (2025-10-28): RE-VERIFICATION OF EMPLOYMENT<br>Buyer Comment (2025-10-27): LETTER FROM CPA<br>Buyer Comment (2025-10-27): see business license<br>Buyer Comment (2025-10-27): income worksheet and business narrative<br>Buyer Comment (2025-10-27): income worksheet | 11/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9954510 | [Redact] |  | 35254144 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Require CPA letter confirming that the use of business funds from US Bank business bank account ending with #[Redacted]will not negatively impact the business. |  |  |  | Reviewer Comment (2025-10-29): Received CPA Confirmed no negative impact. CPA confirmed [Redacted]K however Lender used [Redacted]K only. Exception cleared<br>Buyer Comment (2025-10-27): see CPA letter | 10/29/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9954510 | [Redact] |  | 35254146 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three[Redacted] business days of application. Initial Loan Estimate dated[Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate is dated [Redacted]. |  |  |  | Reviewer Comment (2025-10-28): [Redacted] received e-consent dated [Redacted]<br>Buyer Comment (2025-10-27): Comment from Lender: Request a re-review - Property address received by guild is on [Redacted] same as application date and initial URLA. Initial disclosures issued [Redacted] and signed by borrower [Redacted] with e consent. Please advise. | 10/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9954510 | [Redact] |  | 35254150 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [Redacted]): General Ability-to-Repay requirements not satisfied. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-29): CPA letter received. Confirmed Borrower Owned [Redacted]% Ownership. Exception Cleared | 10/29/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9954510 | [Redact] |  | 35254151 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR failure due to Insufficient income documentation the required Verification of business document, CPA/Business License/Secretary of State Filing document and Business Narrative document required per Investor Guidelines was not provided causing the loan to waterfall through the ATR Testing. |  |  |  | Reviewer Comment (2025-10-29): CPA letter received. Confirmed Borrower Owned [Redacted]% Ownership. Exception Cleared<br>Buyer Comment (2025-10-27): see uploads | 10/29/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | No |
| [Redact] | 9954510 | [Redact] |  | 35254152 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to Insufficient income documentation the required Verification of business document, CPA/Business License/Secretary of State Filing document and Business Narrative document required per Investor Guidelines was not provided causing the loan to waterfall through the ATR Testing. |  |  |  | Reviewer Comment (2025-11-04): All Open Income and Asset ATR Exception has been cleared. Exception cleared<br>Buyer Comment (2025-11-03): CPA uploaded<br>Reviewer Comment (2025-10-29): Received business Verification, CPA letter, income worksheet however still missing Third party verification within [Redacted] days of Note date as Lender provided Certificate of occupancy (not acceptable source). Outdated/Expired Examining Board Certificate. Third-party verification may include: • Business license. • Secretary of State filing. • Letter from a regulatory agency, professional organization or applicable licensing bureau. • CPA/Licensed Tax Preparer letter - if the borrower owns less than [Redacted]% of the business, the CPA/Licensed Tax Preparer letter must be provided to document their percentage of ownership. Exception Remains<br>Buyer Comment (2025-10-27): see uploads | 11/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9954510 | [Redact] |  | 35254153 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank [Redacted]): Unable to verify current employment status using reasonably reliable third-party records. | ATR failure due to Insufficient income documentation the required Verification of business document, CPA/Business License/Secretary of State Filing document and Business Narrative document required per Investor Guidelines was not provided causing the loan to waterfall through the ATR Testing. |  |  |  | Reviewer Comment (2025-10-29): CPA letter received. Confirmed Borrower Owned [Redacted]% Ownership. Exception Cleared<br>Buyer Comment (2025-10-27): see uploads | 10/29/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9954510 | [Redact] |  | 35254154 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank [Redacted]): Unable to verify current employment status using reasonably reliable third-party records. | ATR failure due to Insufficient income documentation the required Verification of business document, CPA/Business License/Secretary of State Filing document and Business Narrative document required per Investor Guidelines was not provided causing the loan to waterfall through the ATR Testing. |  |  |  | Reviewer Comment (2025-10-29): CPA letter received. Confirmed Borrower Owned [Redacted]% Ownership. Exception Cleared<br>Buyer Comment (2025-10-27): see uploads | 10/29/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9954510 | [Redact] |  | 35254155 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | New exception as result of documentation provided ATR Failure due to Insufficient Income documentation.Third-party verification may include: • Business license. • Secretary of State filing. • Letter from a regulatory agency, professional organization or applicable licensing bureau. • CPA/Licensed Tax Preparer letter - if the borrower owns less than 100% of the business, the CPA/Licensed Tax Preparer letter must be provided to document their percentage of ownership. Exception Remains |  |  |  | Reviewer Comment (2025-11-04): All Open Income and Asset ATR Exception has been cleared. Exception cleared<br>Buyer Comment (2025-11-03): CPA uploaded | 11/04/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
| [Redact] | 9896399 | [Redact] |  | 35315352 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Approved for: Condo project shows only [Redacted]% owner occupied and [Redacted]% investor With Comp Factors: Reserve>[Redacted] months and FICO>[Redacted] pts above requirement. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Representative FICO of [Redacted] vs guidelines requirement of [Redacted] | Originator,[Redact] | Reviewer Comment (2025-11-26): Client elects to downgrade and waive using compensating factors <br> Representative FICO of [Redacted] vs guidelines requirement of [Redacted] <br> Post-closing reserve > [Redacted] months |  |  | 11/26/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9896428 | [Redact] |  | 35315354 |  | 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. |  | Appraisal shows the subject property as tenant occupied, but no lease agreement was provided in file. |  |  |  | Reviewer Comment (2025-12-01): LOX provided stating property is vacant, exception cleared.<br>Buyer Comment (2025-12-01): please see attached an LOE uploaded with the credit package regarding the lease agreement- | 12/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9896385 | [Redact] |  | 35315355 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Subject photos are missing or not legible. |  | Subject Photos are missing from the appraisal report. Photo sections are blank |  |  |  | Reviewer Comment (2025-12-02): Appraisal with legible photos provided. D0196. Cleared<br>Buyer Comment (2025-12-02): photos are included in the appraisal and are legible, please refer to pages 16-25 | 12/02/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9896385 | [Redact] |  | 35315356 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Comparable(s) photos are missing or not legible. |  | Comparable Photos are missing from the appraisal report. Photo sections are blank |  |  |  | Reviewer Comment (2025-12-02): Appraisal with legible photos provided. D0196. Cleared | 12/02/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9979510 | [Redact] |  | 35654235 |  | 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 DTI 57.02% exceeds the maximum guideline required DTI 50%. <br> The recalculated monthly revolving debt of [Redact] is higher than the lender's revolving debt of [Redact]. Additionally, the recalculated monthly PITIA payments for REO investment property at [Redact] of [Redact] is higher than the lender's PITIA calculated payment of [Redact]. |  |  |  | Reviewer Comment (2025-12-18): Received the updated 1008 regarding the Co-Borrowers income. System cleared<br>Buyer Comment (2025-12-17): Corrected 1008 attached<br>Buyer Comment (2025-12-16): Using co-borrower's income.<br>Reviewer Comment (2025-12-15): The new 1008 provided indicates the DTI is over 50%.<br>Buyer Comment (2025-12-11): attached | 12/18/2025 |  |  | 1 B A C |  | [Redact] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | No |
| [Redact] | 9979510 | [Redact] |  | 35654237 |  | 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 57.02266% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Waterfall due to DTI 57.02% exceeds the maximum guideline required DTI 50%. <br> The recalculated monthly revolving debt of [Redact] is higher than the lender's revolving debt of [Redact]. Additionally, the recalculated monthly PITIA payments for REO investment property at [Redact] of [Redact] is higher than the lender's PITIA calculated payment of [Redact] |  |  |  | Reviewer Comment (2025-12-18): Received the updated 1008 regarding the Co-Borrowers income. System cleared<br>Buyer Comment (2025-12-17): Corrected 1008 attached<br>Buyer Comment (2025-12-16): Using co-borrower's income.<br>Reviewer Comment (2025-12-15): The new 1008 provided indicates the DTI is over 50%.<br>Buyer Comment (2025-12-11): attached | 12/18/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9979510 | [Redact] |  | 35654238 |  | 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. | Final Closing Disclosure provided on [Redact] did not disclose a reason for not having an escrow account on page 4. |  |  |  | Reviewer Comment (2025-12-17): [Redact] received corrected PCCD and LOE<br>Buyer Comment (2025-12-16): LOX attached<br>Reviewer Comment (2025-12-12): [Redact] received updated Post CD. However, we would require LOX to the borrower in order to cure the exception.<br>Buyer Comment (2025-12-11): attached<br>Reviewer Comment (2025-12-08): PCCD dated [Redact] did not designate a reason on Page 4 " Escrow Account - Will Not Have an Escrow Account Because" - reason was mssing and not marked as "declined" or "lender does not offer". Letter of Explanation and Corrected CD required to cure.<br>Buyer Comment (2025-12-05): attached |  | 12/17/2025 |  | 2 C B |  | [Redact] | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| [Redact] | 9979510 | [Redact] |  | 35654239 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redact], prior to three (3) business days from transaction date of [Redact]. | Subject loan transaction disbursed on [Redact], prior to three (3) business days from transaction date of [Redact]. |  |  |  | Reviewer Comment (2025-12-09): Received the PCCD funding [Redact].<br>Buyer Comment (2025-12-05): attached | 12/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | No |
| [Redact] | 9979510 | [Redact] |  | 35654240 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Calculated investor DTI of 57.02%, exceeds the maximum guideline required DTI of 50%. The recalculated monthly revolving debt of [Redact] is higher than the lender's revolving debt of [Redact]. Additionally, the recalculated monthly PITIA payments for REO investment property at [Redact] of [Redact] is higher than the lender's PITIA calculated payment of [Redact]. |  |  |  | Reviewer Comment (2025-12-18): Received the updated 1008 regarding the Co-Borrowers income.<br>Buyer Comment (2025-12-17): Corrected 1008 attached<br>Buyer Comment (2025-12-16): Using co-borrower's income.<br>Reviewer Comment (2025-12-15): The new 1008 provided indicates the DTI is over 50%. | 12/18/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9979510 | [Redact] |  | 35654244 |  | 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 DTI of 57.02% exceeds the maximum guideline required DTI of 50%. The recalculated monthly revolving debt of [Redact] is higher than the lender's revolving debt of [Redact]. Additionally, the recalculated monthly PITIA payments for REO investment property at [Redact] of [Redact] is higher than the lender's PITIA calculated payment of [Redact]. |  |  |  | Reviewer Comment (2025-12-18): Received the updated 1008 regarding the Co-Borrowers income. System cleared<br>Buyer Comment (2025-12-17): Corrected 1008 attached<br>Buyer Comment (2025-12-16): Using co-borrower's income.<br>Reviewer Comment (2025-12-15): The new 1008 provided indicates the DTI is over 50%. | 12/18/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9979510 | [Redact] |  | 35654245 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The REO property located at [Redact] is missing a lease agreement. |  |  |  | Reviewer Comment (2025-12-15): Rental income not used in the qualifying ratios.<br>Buyer Comment (2025-12-11): attached | 12/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9979560 | [Redact] |  | 35654251 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Mortgage Statement and Insurance Verification are missing for the REO property located at [Redact]. |  |  |  | Reviewer Comment (2025-12-05): Received the Settlement Statement and Note, documenting the REO. (please understand our files do not commingle documents internally, they must be provided with each file. Thanks [Redact])<br>Buyer Comment (2025-12-04): There was a simultaneous closing with this loan on the purchase of [Redact] that you have the file on, but here is the HOI, final Settlement Statement, copy of the new Note and first payment letter. | 12/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | N/A | N/A | No |
| [Redact] | 9979561 | [Redact] |  | 35654262 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing the HOA Verification for property located at [Redact]. |  |  |  | Reviewer Comment (2025-12-09): Received the HOA docs for [Redact]<br>Buyer Comment (2025-12-05): HOA statement for [Redact] | 12/09/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | N/A | N/A | No |
| [Redact] | 9979561 | [Redact] |  | 35654263 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing the HOA Verification for property located at [Redact]. |  |  |  | Reviewer Comment (2025-12-09): Received the HOA verification for [Redact]<br>Buyer Comment (2025-12-05): HOA statement [Redact] | 12/09/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | N/A | N/A | No |
| [Redact] | 9979561 | [Redact] |  | 35654264 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing Mortgage Statement for property located at [Redact]. |  |  |  | Reviewer Comment (2025-12-09): Received the settlement documents for the simultaneous closing.<br>Buyer Comment (2025-12-05): Copy of Note, 1st payment letter and Final settlement statement for the simultaneous purchase of [Redact]. | 12/09/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | N/A | N/A | No |
| [Redact] | 9979571 | [Redact] |  | 35654272 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-12-15): Received the signed initial CD. (system cleared)<br>Buyer Comment (2025-12-11): Loan Estimate issued [Redact] shows the rate lock. Please waive. | 12/15/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9979571 | [Redact] |  | 35654275 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-12-15): Received the signed initial CD. (system cleared)<br>Reviewer Comment (2025-12-12): [Redact] received [Redact] CD wet signed on [Redact]. The Initial CD provided was not received by borrower 3 business days prior to consummation date on [Redact].<br>Buyer Comment (2025-12-11): Initial CD | 12/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| [Redact] | 9979571 | [Redact] |  | 35654277 |  | 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 (2025-12-09): Sufficient Cure Provided At Closing |  | 12/09/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |

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## Exhibit 99.2

**Exhibit 99.2**

**Schedule 2 - Rating Agency Grades Report**

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

![](ex99_001.jpg)

**Rating Agency Grades**

**Run Date - 2/4/2026 8:45:12 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** |
| [Redact] | 8097520 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9097943 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9158613 | [Redact] | [Redact] |  | B | C | A | C | B | A | A | B |  |
| [Redact] | 9153173 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9153221 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9200260 | [Redact] | [Redact] |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9197249 | [Redact] | [Redact] |  | C | B | A | C | B | B | A | B |  |
| [Redact] | 9186369 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9208107 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9211091 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9216865 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9216859 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9229952 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9237475 | [Redact] | [Redact] |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9239635 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9242927 | [Redact] | [Redact] |  | B | C | A | C | B | B | A | B |  |
| [Redact] | 9243132 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9243514 | [Redact] | [Redact] |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9240460 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240517 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9247916 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9248279 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9248468 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9248885 | [Redact] | [Redact] |  | C | C | A | C | B | B | A | B |  |
| [Redact] | 9249180 | [Redact] | [Redact] |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9251955 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9252091 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9302648 | [Redact] | [Redact] |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9303614 | [Redact] | [Redact] |  | B | C | A | C | B | B | A | B |  |
| [Redact] | 9304779 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9238926 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9307591 | [Redact] | [Redact] |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9356617 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9357437 | [Redact] | [Redact] |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9357627 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9360721 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9360720 | [Redact] | [Redact] |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9362272 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9363366 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9365605 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9365637 | [Redact] | [Redact] |  | B | C | A | C | B | B | A | B |  |
| [Redact] | 9365639 | [Redact] | [Redact] |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9365815 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9365856 | [Redact] | [Redact] |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9367830 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9367829 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9369764 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9369929 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9370937 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9371240 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9371244 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9371543 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9377566 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9377571 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9377801 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9377876 | [Redact] | [Redact] |  | B | C | A | C | B | A | A | B |  |
| [Redact] | 9377875 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9386008 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9386011 | [Redact] | [Redact] |  | B | A | A | B | A | A | A | A |  |
| [Redact] | 9387708 | [Redact] | [Redact] |  | D | A | D | D | A | A | A | A |  |
| [Redact] | 9388077 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9388183 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9388216 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9389688 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9389696 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9389740 | [Redact] | [Redact] |  | A | B | A | B | A | A | A | A |  |
| [Redact] | 9447577 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9447580 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9447586 | [Redact] | [Redact] |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9447901 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9498131 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9498153 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9498166 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9498490 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9498495 | [Redact] | [Redact] |  | B | C | A | C | B | A | A | B |  |
| [Redact] | 9498498 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9498507 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9498556 | [Redact] | [Redact] |  | A | B | A | B | A | A | A | A |  |
| [Redact] | 9500476 | [Redact] | [Redact] |  | B | C | A | C | B | A | A | B |  |
| [Redact] | 9500671 | [Redact] | [Redact] |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9500675 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9500981 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9501390 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9501829 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9501877 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9501890 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9501891 | [Redact] | [Redact] |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9502465 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9502478 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9502480 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9502520 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9502516 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9502525 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9502703 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9503116 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9503225 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9503228 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9503236 | [Redact] | [Redact] |  | B | C | A | C | B | B | A | B |  |
| [Redact] | 9503292 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9503293 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9503528 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9504094 | [Redact] | [Redact] |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9504299 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9505075 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9505076 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9505067 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9505154 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9389392 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9389388 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9389412 | [Redact] |  |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9389391 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9389405 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9389415 | [Redact] |  |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9389397 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9551468 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9554446 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9554452 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9554506 | [Redact] | [Redact] |  | B | C | A | C | B | A | A | B |  |
| [Redact] | 9554508 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9554639 | [Redact] | [Redact] |  | D | B | A | D | A | B | A | B |  |
| [Redact] | 9554845 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9554847 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9554857 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9555082 | [Redact] | [Redact] |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9503129 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9503196 | [Redact] |  |  | C | B | D | D | A | B | A | B |  |
| [Redact] | 9503150 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9503209 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9555089 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9555090 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9555142 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9555141 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9555311 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9555320 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9389422 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9555502 | [Redact] | [Redact] |  | B | A | A | B | A | A | A | A |  |
| [Redact] | 9557288 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9557289 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9603527 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9603593 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9603592 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9603596 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9606066 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9606140 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9606151 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9606154 | [Redact] | [Redact] |  | C | D | A | D | A | B | A | B |  |
| [Redact] | 9606830 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9606825 | [Redact] | [Redact] |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9606837 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9606842 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9608464 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9608458 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9610556 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9610726 | [Redact] | [Redact] |  | C | B | A | C | A | A | A | A |  |
| [Redact] | 9610873 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9610943 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9610940 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9610937 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9610938 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9611077 | [Redact] | [Redact] |  | C | B | D | D | A | B | A | B |  |
| [Redact] | 9613067 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9613618 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9613634 | [Redact] | [Redact] |  | D | C | A | D | A | A | A | A |  |
| [Redact] | 9613642 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9613792 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9613842 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9606093 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9606096 | [Redact] |  |  | D | C | A | D | A | B | A | B |  |
| [Redact] | 9606108 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9606095 | [Redact] |  |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9606131 | [Redact] |  |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9603570 | [Redact] |  |  | C | B | A | C | B | B | A | B |  |
| [Redact] | 9603579 | [Redact] |  |  | B | C | A D | C D | B | B | A | B |  |
| [Redact] | 9603586 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9603588 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9614920 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9615017 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9615313 | [Redact] | [Redact] |  | D | B | A | D | A | B | A | B |  |
| [Redact] | 9615793 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9615794 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9651571 | [Redact] | [Redact] |  | A | B | A | B | A | A | A | A |  |
| [Redact] | 9651582 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9651580 | [Redact] | [Redact] |  | C | B | A | C | B | B | A | B |  |
| [Redact] | 9651572 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9606122 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9606118 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9652788 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9652791 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9652793 | [Redact] | [Redact] |  | B | C | A | C | B | A | A | B |  |
| [Redact] | 9652905 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9652907 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9652910 | [Redact] | [Redact] |  | A | D | A | D | A | A | A | A |  |
| [Redact] | 9688383 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9688972 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9689575 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9689603 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9689589 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9689588 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9689606 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9689607 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9689604 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9689659 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9689668 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9689665 | [Redact] | [Redact] |  | D | B | A | D | A | B | A | B |  |
| [Redact] | 9606105 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9896318 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9693365 | [Redact] | [Redact] |  | D | B | A | D | A | B | A | B |  |
| [Redact] | 9693366 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9693378 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9693381 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9693427 | [Redact] | [Redact] |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9693585 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9693581 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9693843 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9693856 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9693859 | [Redact] | [Redact] |  | D | A | A | D | A | A | A | A |  |
| [Redact] | 9693946 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9694012 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9694501 | [Redact] | [Redact] |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9694502 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9694519 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9694518 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9694521 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9694619 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9694658 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9694748 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9694750 | [Redact] | [Redact] |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9694756 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9694755 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9694754 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9694781 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9697628 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9697668 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9697763 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9697764 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9697869 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9697873 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9697866 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9697870 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9697971 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9697982 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9697979 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9698158 | [Redact] | [Redact] |  | C | B | A | C | B | B | A | B |  |
| [Redact] | 9698160 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9698161 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9698189 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9698191 | [Redact] | [Redact] |  | C | B | D | D | A | B | A | B |  |
| [Redact] | 9698192 | [Redact] | [Redact] |  | C | B | A | C | B | B | A | B |  |
| [Redact] | 9698250 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9698792 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9698793 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9698794 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9731877 | [Redact] | [Redact] |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9731871 | [Redact] | [Redact] |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9731878 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9731872 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9499993 | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| [Redact] | 9499994 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9499995 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9499998 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9499999 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9500001 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9500006 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9500014 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9500017 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9500029 | [Redact] |  |  | C |  | C | C | A |  | B | B |  |
| [Redact] | 9500035 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9500050 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9500051 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9500052 | [Redact] |  |  | A |  | D | D | A |  | A | A |  |
| [Redact] | 9500058 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9500059 | [Redact] |  |  | A |  | D | D | A |  | A | A |  |
| [Redact] | 9500060 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9500062 | [Redact] |  |  | A |  | C | C | A |  | B | B |  |
| [Redact] | 9500065 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9500069 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9500070 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9500071 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9500072 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9500073 | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| [Redact] | 9500075 | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| [Redact] | 9500076 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9500078 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9500080 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9500085 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9500086 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9500088 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9500090 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9500092 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9500095 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9500096 | [Redact] |  |  | D |  | D | D | A |  | A | A |  |
| [Redact] | 9500097 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9500099 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9500102 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9500104 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9500105 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9500106 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9500107 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9500108 | [Redact] |  |  | D |  | A | D | A |  | A | A |  |
| [Redact] | 9500111 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9500114 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9500115 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9500116 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9500117 | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| [Redact] | 9500119 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9500121 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9500123 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9500124 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9500125 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9606114 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9732142 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9732149 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9732146 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9862062 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9698050 | [Redact] |  |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9698057 | [Redact] |  |  | B | C | A | C | A | A | A | A |  |
| [Redact] | 9732726 | [Redact] | [Redact] |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9732719 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9733846 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9733847 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9733849 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9734304 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9734307 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9735211 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9610758 | [Redact] |  |  | A |  | C | C | A |  | B | B |  |
| [Redact] | 9735216 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9735279 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9735277 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9768629 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9769238 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9769303 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9769348 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9769349 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9769477 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9769475 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9606106 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9802884 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9802895 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9802896 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9802886 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9804480 | [Redact] | [Redact] |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9804481 | [Redact] | [Redact] |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9804557 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9804821 | [Redact] | [Redact] |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9804819 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9805202 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9805206 | [Redact] | [Redact] |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9805201 | [Redact] | [Redact] |  | B | B | A | B | A | B | A | B |  |
| [Redact] | 9805207 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9805315 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9805437 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9805433 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9805436 | [Redact] | [Redact] |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9805443 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9805441 | [Redact] | [Redact] |  | B | C | A | C | B | A | A | B |  |
| [Redact] | 9805447 | [Redact] | [Redact] |  | B | B | A | B | A | B | A | B |  |
| [Redact] | 9805446 | [Redact] | [Redact] |  | C | B | A B | C | A | B | A B | B |  |
| [Redact] | 9805614 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9805920 | [Redact] | [Redact] |  | D | B | A | D | B | B | A | B |  |
| [Redact] | 9805925 | [Redact] | [Redact] |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9807836 | [Redact] | [Redact] |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9807902 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9808465 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9808467 | [Redact] | [Redact] |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9808711 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9808763 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9808764 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9808768 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9808767 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9768738 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9768772 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9768780 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9768775 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9768731 | [Redact] |  |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9768743 | [Redact] |  |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9768754 | [Redact] |  |  | B | C | A | C | B | A | A | B |  |
| [Redact] | 9768766 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9768739 | [Redact] |  |  | C | B | A | C | A | A | A | A |  |
| [Redact] | 9768751 | [Redact] |  |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9768733 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9768763 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9768777 | [Redact] |  |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9808946 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9809166 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9809165 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9809513 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9809509 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9809641 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9809918 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9809938 | [Redact] | [Redact] |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9810046 | [Redact] | [Redact] |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9810051 | [Redact] | [Redact] |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9810050 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9810294 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9810295 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9844301 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9844717 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9844719 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9844724 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9844725 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9844723 | [Redact] | [Redact] |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9844958 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9845302 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9845303 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9845304 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9845832 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9845836 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9845892 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9845893 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9768749 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9768752 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9768740 | [Redact] |  |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9768769 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9768746 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9768773 | [Redact] |  |  | C | B | A | C | A | A | A | A |  |
| [Redact] | 9846236 | [Redact] | [Redact] |  | C | B | A | C | B | B | A | B |  |
| [Redact] | 9846235 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9848347 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9251270 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9251452 | [Redact] |  |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9251467 | [Redact] |  |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9849176 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9850048 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9850110 | [Redact] | [Redact] |  | C | C | D | D | A | B | A | B |  |
| [Redact] | 9850116 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9850106 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9850113 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9850111 | [Redact] | [Redact] |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9850117 | [Redact] | [Redact] |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9850120 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9851533 | [Redact] | [Redact] |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9851567 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9852035 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9852514 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9852723 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9852725 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9852717 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9852733 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9853889 | [Redact] | [Redact] |  | B | C | A | C | B | B | A | B |  |
| [Redact] | 9854921 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9855040 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9855039 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9855041 | [Redact] | [Redact] |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9855036 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9855426 | [Redact] | [Redact] |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9855858 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9855861 | [Redact] | [Redact] |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9856872 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9856882 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9856876 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9856874 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9857096 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9768757 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9768750 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9768767 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9858036 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9859558 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9859559 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9859566 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9860188 | [Redact] | [Redact] |  | A | B | A | B | A | A | A | A |  |
| [Redact] | 9860185 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9856759 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9856760 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9856763 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9856765 | [Redact] |  |  | C | C | A D | C D | A | B | A | B |  |
| [Redact] | 9856768 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9856770 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9856777 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9856781 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9856783 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9860517 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9860518 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9860576 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9768765 | [Redact] |  |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9896617 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9896647 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9897044 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9898645 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9917969 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9895803 | [Redact] |  |  | D | B | B | D | A | B | A | B |  |
| [Redact] | 9895808 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9895810 | [Redact] |  |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9895811 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9895828 | [Redact] |  |  | A | B C | A | B C | A | A | A | A |  |
| [Redact] | 9895831 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9895853 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9895857 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9895860 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9895872 | [Redact] |  |  | A | A | D | D | A | A | A | A |  |
| [Redact] | 9895877 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9895895 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9895913 | [Redact] |  |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9918170 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9951053 | [Redact] | [Redact] |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9953829 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9954582 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9956980 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9957075 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9978968 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9978960 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9502459 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9554449 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9806956 | [Redact] |  |  | C | A | D | D | A | A | A | A |  |
| [Redact] | 9697700 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9809557 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9809558 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9501389 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9503114 | [Redact] |  |  | C D | A | D | D | A | A | A | A |  |
| [Redact] | 9503232 | [Redact] |  |  | C | A | C | C | A | A | A | A |  |
| [Redact] | 9501876 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9613076 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9693967 | [Redact] |  |  | C D | A | D | D | A | A | A | A |  |
| [Redact] | 9694751 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9806465 | [Redact] |  |  | C D | A | D | D | A | A | A | A |  |
| [Redact] | 9769235 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9694614 | [Redact] |  |  | C D | A | A | C D | A | A | A | A |  |
| [Redact] | 9735213 | [Redact] |  |  | D | A | A | D | A | A | A | A |  |
| [Redact] | 9615758 | [Redact] |  |  | A | D | A | D | A | A | A | A |  |
| [Redact] | 9804487 | [Redact] |  |  | C D | A | A | C D | A | A | A | A |  |
| [Redact] | 9809556 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9694514 | [Redact] |  |  | C D | A | A | C D | A | A | A | A |  |
| [Redact] | 9736682 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9809555 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9693964 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9732548 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9732163 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9732164 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9983337 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9896373 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9896387 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9844380 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9896319 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9365602 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9844272 | [Redact] |  |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9732713 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9732140 | [Redact] |  |  | C | A | C | C | A | A | A | A |  |
| [Redact] | 9603493 | [Redact] |  |  | C | D | A | D | A | A | A | A |  |
| [Redact] | 9693849 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9693850 | [Redact] |  |  | C D | A | A | C D | A | A | A | A |  |
| [Redact] | 9807755 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9806957 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9808708 | [Redact] |  |  | C D | A | A | C D | A | A | A | A |  |
| [Redact] | 9851605 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9808468 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9896456 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9954493 | [Redact] |  |  | C | A | D | D | A | A | A | A |  |
| [Redact] | 9954494 | [Redact] |  |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9954498 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9954519 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9954524 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9954508 | [Redact] |  |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9954515 | [Redact] |  |  | C | C | D | D | A | B | A | B |  |
| [Redact] | 9954516 | [Redact] |  |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9954510 | [Redact] |  |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9896399 | [Redact] |  |  | B |  | A | B | B |  | A | B |  |
| [Redact] | 9896428 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9896385 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9896386 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9979510 | [Redact] |  |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9979560 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9979561 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9979571 | [Redact] |  |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9979619 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9694918 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9695094 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9695059 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9979622 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9979495 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |

---

## Exhibit 99.2

**Exhibit 99.2**

 **Schedule 3 - Data Compare Report**

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

![](ex99_001.jpg)

**Data Compare (Non-Ignored)**

**Run Date - 1/28/2026 3:02:18 PM** 

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| [Redact] | 9097943 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9097943 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9097943 | [Redact] |  | [Redact] | Doc Type | 1yr Full Doc | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9097943 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 39 | 31.54578 | Verified | 1008 DTI 31.53% |
| [Redact] | 9197249 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 49.57 | 44.30791 | Verified | Unable to verify due to missing information |
| [Redact] | 9186369 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9186369 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9211091 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9229952 | [Redact] |  | [Redact] | Representative FICO | 701 | 707 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9237475 | [Redact] |  | [Redact] | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9237475 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9239635 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9242927 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9242927 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9242927 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9243132 | [Redact] |  | [Redact] | Original CLTV | 90 | 85.68493 | 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) |
| [Redact] | 9243514 | [Redact] |  | [Redact] | Representative FICO | 799 | 801 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9243514 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9243514 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 34.65 | 25.0745 | Verified | 1008 DTI 23.004% |
| [Redact] | 9240460 | [Redact] |  |  | Representative FICO | 701 | 735 | Verified | Unable to verify due to missing information |
| [Redact] | 9240460 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Unable to verify due to missing information |
| [Redact] | 9240517 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9248279 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9248885 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9249180 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9249180 | [Redact] |  | [Redact] | Occupancy | Primary | Second Home | Verified | Field Value reflects Occupancy per the Final Loan Application |
| [Redact] | 9249180 | [Redact] |  | [Redact] | Doc Type | 1yr Full Doc | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9249180 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9251955 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9251955 | [Redact] |  | [Redact] | Original CLTV | 80 | 84.88889 | 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) |
| [Redact] | 9302648 | [Redact] |  | [Redact] | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9302648 | [Redact] |  | [Redact] | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9302648 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 30.445 | 16.61128 | Verified | 1008 DTI 16.611% |
| [Redact] | 9303614 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9307591 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 17.537 | 22.36764 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9356617 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9357437 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9357437 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9357437 | [Redact] |  | [Redact] | Original CLTV | 69.99 | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 9357437 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 30.562 | 48.5927 | Verified | Lender qualified with less consumer debt. File did not contain proof of payoff or reason for exclusion |
| [Redact] | 9357437 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9357627 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 7.042 | 36.76105 | Verified | 1008 DTI 39.234% |
| [Redact] | 9360720 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9360720 | [Redact] |  | [Redact] | Representative FICO | 740 | 637 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9360720 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 34.6 | 31.25641 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9363366 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9363366 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9363366 | [Redact] |  | [Redact] | Original CLTV | 47.62 | 52.38095 | 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) |
| [Redact] | 9365637 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9365637 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9365815 | [Redact] |  | [Redact] | Original CLTV | 75 | 77.19781 | Verified | Sales price reduced by excessive IPC's and LTV revised |
| [Redact] | 9365856 | [Redact] |  | [Redact] | Representative FICO | 694 | 721 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9367829 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9369764 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9369764 | [Redact] |  | [Redact] | Original CLTV | 45.16 | 46.52709 | 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) |
| [Redact] | 9369764 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 48.084 | 37.22825 | Verified | 1008 DTI 36.575% |
| [Redact] | 9371240 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9371240 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9371244 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9377566 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9377571 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9377571 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 4.155 | 29.01045 | Verified | 1008 DTI 28.605% |
| [Redact] | 9377801 | [Redact] |  | [Redact] | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9377801 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 22.9 | 25.95137 | Verified | DTI 1008 25.95% |
| [Redact] | 9388077 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9388183 | [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 |
| [Redact] | 9388183 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9388216 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9388216 | [Redact] |  | [Redact] | Original CLTV | 75 | 80 | Verified | Unable to verify due to missing information |
| [Redact] | 9388216 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Unable to verify due to missing information |
| [Redact] | 9389696 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9389696 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 26.057 | 32.31426 | Verified | 1008 DTI 32.31% |
| [Redact] | 9447577 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9447577 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9447580 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 16.368 | 12.31945 | Verified | 1008 DTI 12.434% |
| [Redact] | 9447586 | [Redact] |  | [Redact] | Representative FICO | 803 | 786 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9447586 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9447586 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 36.921 | 29.75372 | Verified | Revised 1008 DTI 29.738% |
| [Redact] | 9447901 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9447901 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9447901 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9447901 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9498131 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9498131 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Unable to verify due to missing information |
| [Redact] | 9498131 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 33.431 | 41.89587 | Verified | 1008 DTI 41.896% |
| [Redact] | 9498153 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9498498 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 40 | 35.49347 | Verified | 1008 DTI 36.351% |
| [Redact] | 9498498 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9498556 | [Redact] |  | [Redact] | Representative FICO | 808 | 797 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9500476 | [Redact] |  | [Redact] | Representative FICO | 663 | 677 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9500476 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9500476 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9500675 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9500675 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9501390 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9501829 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9501829 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9501877 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9501877 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 44.959 | 40.22102 | Verified | 1008 DTI 40.177% |
| [Redact] | 9501890 | [Redact] |  | [Redact] | Doc Type | 12mo Bank Statement | 24mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9501890 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9502465 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9502465 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9502478 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9502480 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9502703 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9503236 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9504094 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9504094 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9504094 | [Redact] |  | [Redact] | Representative FICO | 794 | 800 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9504094 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9504299 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9505075 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9505076 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9505076 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9505067 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9505154 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9551468 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9551468 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9551468 | [Redact] |  | [Redact] | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9551468 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 20.894 | 36.35123 | Verified | 1008 DTI 36.286% |
| [Redact] | 9554446 | [Redact] |  | [Redact] | Representative FICO | 760 | 767 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9554452 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9554452 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9554452 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 35.36 | 32.28815 | Verified | DTI 32.180% 1008 |
| [Redact] | 9554508 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9554508 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9554508 | [Redact] |  | [Redact] | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9554508 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 37 | 28.69053 | Verified | 1008 DTI 28.693% |
| [Redact] | 9554639 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9554639 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9554845 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9554845 | [Redact] |  | [Redact] | Representative FICO | 760 | 767 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9554845 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9554847 | [Redact] |  | [Redact] | Representative FICO | 786 | 798 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9554847 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9554847 | [Redact] |  | [Redact] | Original CLTV | 74.36 | 73.2852 | 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) |
| [Redact] | 9554847 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 23 | 19.10765 | Verified | 1008 DTI 19.106% |
| [Redact] | 9554857 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9555082 | [Redact] |  | [Redact] | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9503196 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9503209 | [Redact] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9555089 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9555089 | [Redact] |  | [Redact] | Property Type | 2 Family | 3 Family | Verified | Unable to verify due to missing information |
| [Redact] | 9555089 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9555089 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 20.603 | 26.21573 | Verified | Approval DTI 26.963% |
| [Redact] | 9555090 | [Redact] |  | [Redact] | Representative FICO | 813 | 821 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9555090 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9555141 | [Redact] |  | [Redact] | Representative FICO | 784 | 788 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9555311 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9555311 | [Redact] |  | [Redact] | Original CLTV | 60 | 56.07477 | 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) |
| [Redact] | 9555311 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 30.327 | 37.80366 | Verified | 1008 DTI 37.804% |
| [Redact] | 9555502 | [Redact] |  | [Redact] | Doc Type | 2yr Full Doc | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9557288 | [Redact] |  | [Redact] | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9557288 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9557289 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 30.64 | 33.98516 | Verified | 1008 DTI 33.882% |
| [Redact] | 9603593 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 24mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9603593 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9603592 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9603596 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9603596 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9603596 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9606066 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9606140 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9606140 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 39 | 29.51612 | Verified | DTI 1008 29.515% |
| [Redact] | 9606151 | [Redact] |  | [Redact] | Representative FICO | 760 | 774 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9606151 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9606151 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 50 | 46.85501 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9606154 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9606154 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9606154 | [Redact] |  | [Redact] | Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9606154 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Unable to verify due to missing information |
| [Redact] | 9606837 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9606842 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9606842 | [Redact] |  | [Redact] | Has FTHB | 0 | 1 | Verified | Borrower does not own their primary residence or other investment properties. Fraud report confirms no prior ownership in any other properties. |
| [Redact] | 9606842 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 30.58 | 47.4207 | Verified | 1008 DTI 47.421% |
| [Redact] | 9608464 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9610556 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9610726 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9610726 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9610873 | [Redact] |  | [Redact] | Borrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9610873 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9610873 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9610873 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 43.08 | 38.43773 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9610943 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9610943 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 31 | 35.39089 | Verified | 1008 DTI 35.392% |
| [Redact] | 9610943 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9610940 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9610938 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9610938 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9611077 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9613067 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9613618 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9613618 | [Redact] |  | [Redact] | Representative FICO | 784 | 792 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9613642 | [Redact] |  | [Redact] | Representative FICO | 709 | 683 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9613642 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9613792 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9613842 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9613842 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 33 | 38.53306 | Verified | 1008 DTI 38.048% |
| [Redact] | 9606093 | [Redact] |  |  | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| [Redact] | 9606093 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9606093 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9606108 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9603570 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 43.051 | 39.47528 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9603570 | [Redact] |  |  | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9603570 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9603570 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9603570 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9603579 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9603579 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9603586 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | 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 |
| [Redact] | 9603586 | [Redact] |  |  | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9603588 | [Redact] |  |  | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9603588 | [Redact] |  |  | Borrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9603588 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 41.71 | 45.13361 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9603588 | [Redact] |  |  | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9615017 | [Redact] |  | [Redact] | Representative FICO | 807 | 772 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9615017 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects doc Type reflected on the Approval/AUS |
| [Redact] | 9615017 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 27.731 | 33.3676 | Verified | Lender did not include primary residence payment for CB in the DTI |
| [Redact] | 9615313 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 34.43 | 42.33084 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9615793 | [Redact] |  | [Redact] | Representative FICO | 804 | 793 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9615793 | [Redact] |  | [Redact] | Original CLTV | 43.33 | 39.39394 | 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) |
| [Redact] | 9615793 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 35.116 | 42.79671 | Verified | DTI 1008 42.797% |
| [Redact] | 9615794 | [Redact] |  | [Redact] | Representative FICO | 796 | 799 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9615794 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 23.118 | 27.05134 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| [Redact] | 9651571 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9651571 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9651571 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9652788 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9652788 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 24.775 | 37.13147 | Verified | DTI 1008 37.310% |
| [Redact] | 9652791 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9652791 | [Redact] |  | [Redact] | Representative FICO | 756 | 757 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9652791 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9652793 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9652793 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9652793 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9652905 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9652910 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9652910 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 29.708 | 25.73357 | Verified | 1008 DTI 25.732% |
| [Redact] | 9688972 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9689575 | [Redact] |  | [Redact] | Borrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9689575 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9689575 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 15.008 | 28.31285 | Verified | 1008 DTI 28.314% |
| [Redact] | 9689606 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9689607 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9689607 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 20.92 | 27.57535 | Verified | DTI 1008 27.574% |
| [Redact] | 9689604 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9689604 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 13 | 16.03093 | Verified | DTI 1008 14.666% |
| [Redact] | 9689604 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9689659 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9689659 | [Redact] |  | [Redact] | Representative FICO | 777 | 765 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9689659 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9689659 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 38.175 | 44.82387 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9689659 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9896318 | [Redact] |  | [Redact] | Original CLTV | 61 | 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) |
| [Redact] | 9896318 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 4.37 | 16.55478 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9896318 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9693365 | [Redact] |  | [Redact] | Representative FICO | 730 | 775 | Verified | Unable to verify due to missing information |
| [Redact] | 9693365 | [Redact] |  | [Redact] | Original CLTV | 70 | 64.55556 | Verified | Tape Value reflects decimal point in incorrect position |
| [Redact] | 9693365 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 29.348 | 24.09503 | Verified | Unable to verify due to missing information |
| [Redact] | 9693366 | [Redact] |  | [Redact] | Representative FICO | 730 | 775 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9693378 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 37.891 | 44.8324 | Verified | 1008 DTI 44.765% |
| [Redact] | 9693381 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9693427 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9693427 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 27.8 | 19.9011 | Verified | Revised 1008 provided |
| [Redact] | 9693427 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9693585 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9693581 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9693581 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9693581 | [Redact] |  | [Redact] | Prepayment Penalty Period (months) | 36 | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| [Redact] | 9693581 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 40.91 | 49.84054 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9693843 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9693843 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9693843 | [Redact] |  | [Redact] | Prepayment Penalty Period (months) | 36 | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| [Redact] | 9693843 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 40.916 | 49.85495 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9693859 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9693946 | [Redact] |  | [Redact] | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9693946 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 35.49 | 39.61555 | Verified | 1008 DTI 39.544% |
| [Redact] | 9694012 | [Redact] |  | [Redact] | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9694012 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9694502 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9694519 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9694518 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9694748 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9694748 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 26.933 | 40.64889 | Verified | 1008 DTI 40.649% |
| [Redact] | 9697628 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9697628 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9697628 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 16.392 | 26.43337 | Verified | 1008 DTI 26.678% |
| [Redact] | 9697668 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 12.264 | 16.27707 | Verified | 1008 DTI 16.377% |
| [Redact] | 9697763 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9697763 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 37.493 | 27.39253 | Verified | The Field Value DTI matches the final 1008 |
| [Redact] | 9697764 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9697764 | [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 |
| [Redact] | 9697764 | [Redact] |  | [Redact] | Original CLTV | 65.63 | 68.62745 | 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) |
| [Redact] | 9697764 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9697870 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9697870 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9697971 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9697971 | [Redact] |  | [Redact] | Original CLTV | 56.93 | 55.47653 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 9697979 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9698158 | [Redact] |  | [Redact] | Representative FICO | 779 | 786 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9698158 | [Redact] |  | [Redact] | Doc Type | 2yr Full Doc | Asset Depletion | Verified | Field Value reflects doc Type reflected on the Approval/AUS |
| [Redact] | 9698161 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9698191 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9698191 | [Redact] |  | [Redact] | Representative FICO | 780 | 801 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9698192 | [Redact] |  | [Redact] | Representative FICO | 762 | 778 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9698192 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9698792 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9698792 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9698793 | [Redact] |  | [Redact] | Representative FICO | 787 | 804 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9698793 | [Redact] |  | [Redact] | Doc Type | 2yr Full Doc | Asset Depletion | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9698794 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9731877 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9499994 | [Redact] |  |  | Representative FICO | 754 | 745 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9499994 | [Redact] |  |  | Original LTV | 82.29 | 80 | Verified | Tape Value reflects the CLTV value |
| [Redact] | 9499994 | [Redact] |  |  | LTV Valuation Value | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9499995 | [Redact] |  |  | Representative FICO | 754 | 745 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9499998 | [Redact] |  |  | Representative FICO | 754 | 745 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9499998 | [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 |
| [Redact] | 9499998 | [Redact] |  |  | Original LTV | 81.57 | 80 | Verified | Unable to verify due to missing information |
| [Redact] | 9499998 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9499998 | [Redact] |  |  | LTV Valuation Value | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9499999 | [Redact] |  |  | Representative FICO | 754 | 745 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9499999 | [Redact] |  |  | Original LTV | 83.64 | 80 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 9499999 | [Redact] |  |  | LTV Valuation Value | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500001 | [Redact] |  |  | Representative FICO | 754 | 745 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9500001 | [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 |
| [Redact] | 9500001 | [Redact] |  |  | Original LTV | 83.77 | 80 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 9500001 | [Redact] |  |  | LTV Valuation Value | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500006 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500014 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500017 | [Redact] |  |  | Coborrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9500029 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500029 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.78 | 1.64 | Verified | Field value reflects source document |
| [Redact] | 9500035 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500035 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.96 | 1.98 | Verified | Field value reflects source document |
| [Redact] | 9500050 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9500050 | [Redact] |  |  | Representative FICO | 778 | 783 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9500051 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9500051 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500052 | [Redact] |  |  | Coborrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9500052 | [Redact] |  |  | Coborrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9500052 | [Redact] |  |  | Representative FICO | 765 | 773 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9500052 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500052 | [Redact] |  |  | Coborrower Birth Date | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500052 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.92 | 1.95 | Verified | Field value reflects source document |
| [Redact] | 9500058 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500059 | [Redact] |  |  | Original LTV | 87.2 | 80 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 9500059 | [Redact] |  |  | LTV Valuation Value | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500060 | [Redact] |  |  | Representative FICO | 750 | 765 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9500065 | [Redact] |  |  | Representative FICO | 733 | 756 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9500065 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500069 | [Redact] |  |  | Representative FICO | 733 | 756 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9500071 | [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 |
| [Redact] | 9500071 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500072 | [Redact] |  |  | Representative FICO | 757 | 808 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9500075 | [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 |
| [Redact] | 9500076 | [Redact] |  |  | Representative FICO | 756 | 769 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9500076 | [Redact] |  |  | Property Type | Single Family | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9500076 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Lender did not include HOA dues in the PITIA |
| [Redact] | 9500076 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.48 | 1.41 | Verified | Lender did not include HOA dues in the PITIA |
| [Redact] | 9500078 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9500078 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500080 | [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 |
| [Redact] | 9500080 | [Redact] |  |  | Coborrower Birth Date | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500085 | [Redact] |  |  | Representative FICO | 769 | 793 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9500085 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500086 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500086 | [Redact] |  |  | Coborrower Citizenship | Non-Permanent Resident Alien | Foreign National | Verified | Field value reflects source document |
| [Redact] | 9500086 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.32 | 1.35 | Verified | Field value reflects source document |
| [Redact] | 9500088 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500090 | [Redact] |  |  | Coborrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9500090 | [Redact] |  |  | Coborrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9500090 | [Redact] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9500092 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500092 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.29 | 1.22 | Verified | Field value reflects source document |
| [Redact] | 9500096 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500099 | [Redact] |  |  | Property Type | Single Family | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9500102 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9500104 | [Redact] |  |  | Coborrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9500104 | [Redact] |  |  | Coborrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9500104 | [Redact] |  |  | Representative FICO | 750 | 790 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9500104 | [Redact] |  |  | Coborrower Birth Date | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500105 | [Redact] |  |  | Representative FICO | 801 | 814 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9500107 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500108 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9500111 | [Redact] |  |  | Coborrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9500111 | [Redact] |  |  | Coborrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9500111 | [Redact] |  |  | Representative FICO | 760 | 763 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9500111 | [Redact] |  |  | Coborrower Birth Date | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500114 | [Redact] |  |  | Representative FICO | 750 | 765 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9500115 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500115 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.86 | 1.75 | Verified | Field value reflects source document |
| [Redact] | 9500116 | [Redact] |  |  | Representative FICO | 790 | 792 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9500119 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500119 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.05 | Verified | Field value reflects source document |
| [Redact] | 9500123 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500124 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500125 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9500125 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.44 | 1.46 | Verified | Field value reflects source document |
| [Redact] | 9606114 | [Redact] |  |  | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| [Redact] | 9606114 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 27.825 | 30.9147 | Verified | 1008 DTI 30.910% |
| [Redact] | 9606114 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9606114 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9732142 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9732149 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9862062 | [Redact] |  | [Redact] | Doc Type | 1yr Full Doc | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9862062 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9698057 | [Redact] |  |  | Origination Channel | Broker | Correspondent Flow with Delegated UW | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9733846 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9734304 | [Redact] |  | [Redact] | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9735211 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9610758 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9735279 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9769238 | [Redact] |  | [Redact] | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9769303 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9769303 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9769303 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 25.739 | 18.29157 | Verified | 1008 DTI 19.171% |
| [Redact] | 9769348 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9769475 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9606106 | [Redact] |  |  | Doc Type | 2yr Full Doc | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9802884 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9802895 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9802886 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9804557 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9804557 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 11 | 27.85736 | Verified | 1008 DTI 27.853% |
| [Redact] | 9805202 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9805206 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9805201 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9805207 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9805207 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 26.673 | 30.03716 | Verified | DTI 1008 30.037% |
| [Redact] | 9805315 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9805315 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 34 | 29.58112 | Verified | 1008 DTI 29.58% |
| [Redact] | 9805437 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9805437 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9805433 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9805436 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9805441 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9805447 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9805446 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9805446 | [Redact] |  | [Redact] | Original CLTV | 69.98 | 67.52722 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 9805614 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 14.88 | 28.29978 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9805614 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9805920 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9805920 | [Redact] |  | [Redact] | Representative FICO | 778 | 794 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9805925 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9808465 | [Redact] |  | [Redact] | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| [Redact] | 9808465 | [Redact] |  | [Redact] | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9808465 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 22.375 | 29.52314 | Verified | The Field Value matches the final 1008 |
| [Redact] | 9808465 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9808467 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9808711 | [Redact] |  | [Redact] | Doc Type | 24mo Bank Statement | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9808763 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9808767 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9768772 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9768772 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9768780 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9768780 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9768780 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9768775 | [Redact] |  |  | Original CLTV | 58.365 | 52.60526 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 9768775 | [Redact] |  |  | Original HCLTV | 58.365 | 52.60526 | Verified | Tape Value reflects the Initial draw amount while Field Value reflects the Maximum draw amount |
| [Redact] | 9768775 | [Redact] |  |  | Original LTV | 58.365 | 52.60526 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 9768775 | [Redact] |  |  | LTV Valuation Value | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9768754 | [Redact] |  |  | Original CLTV | 80 | 78.57818 | 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) |
| [Redact] | 9768754 | [Redact] |  |  | Original HCLTV | 80 | 78.57818 | Verified | Tape Value reflects the Initial draw amount while Field Value reflects the Maximum draw amount |
| [Redact] | 9768754 | [Redact] |  |  | Original LTV | 80 | 78.57818 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9768754 | [Redact] |  |  | LTV Valuation Value | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9768754 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9768754 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9768754 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9768766 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9768766 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9768766 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9768733 | [Redact] |  |  | Prepayment Penalty | 0 | 1 | Verified | Field Value reflects 'PrePayment Penalty' per the Note |
| [Redact] | 9768763 | [Redact] |  |  | Prepayment Penalty | 0 | 1 | Verified | Field Value reflects 'PrePayment Penalty' per the Note |
| [Redact] | 9768763 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9768763 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9768763 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9808946 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9809513 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9809513 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9809641 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9809918 | [Redact] |  | [Redact] | Doc Type | 2yr Full Doc | Asset Depletion | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9810051 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9810051 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9810051 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9844301 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9844717 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9844719 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9844958 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9845304 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 27.562 | 31.68441 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9845836 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9845893 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9768749 | [Redact] |  |  | 1003 - Originator Name | First | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9768752 | [Redact] |  |  | 1003 - Originator Name | First | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9768740 | [Redact] |  |  | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9768740 | [Redact] |  |  | Coborrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9768740 | [Redact] |  |  | 1003 - Originator Name | First | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9768769 | [Redact] |  |  | 1003 - Originator Name | First | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9846236 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9251270 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided |
| [Redact] | 9251270 | [Redact] |  |  | First Payment Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided |
| [Redact] | 9251270 | [Redact] |  |  | Maturity Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided |
| [Redact] | 9251270 | [Redact] |  |  | Original P&I | [Redact] | [Redact] | Verified | Field Value reflects Note value |
| [Redact] | 9251270 | [Redact] |  |  | Original HLTV |  | 75 | Verified | The Bid Tape Field Value was not provided |
| [Redact] | 9251270 | [Redact] |  |  | Last Property Transfer Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9251270 | [Redact] |  |  | Borrower EIN |  | [Redact] | Verified | The Bid Tape Field Value was not provided |
| [Redact] | 9850048 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9850116 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9850117 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9850120 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9851533 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9851567 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9851567 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9852514 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9852514 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 11.839 | 17.20502 | Verified | DTI 1008 17.205% |
| [Redact] | 9852514 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9852723 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9852725 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9852717 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9852717 | [Redact] |  | [Redact] | Borrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9852717 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9854921 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9854921 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 34.6 | 38.2268 | Verified | 1008 DTI 38.223% |
| [Redact] | 9855036 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9855861 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9768750 | [Redact] |  |  | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| [Redact] | 9768750 | [Redact] |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9768767 | [Redact] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9768767 | [Redact] |  |  | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| [Redact] | 9858036 | [Redact] |  | [Redact] | Original CLTV | 62.38 | 63.91089 | 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) |
| [Redact] | 9858036 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9859558 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9859559 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9860185 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9860185 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9856759 | [Redact] |  |  | Origination Channel | Correspondent Flow without Delegated UW | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9856759 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9856759 | [Redact] |  |  | Coborrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9856759 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9856760 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9856760 | [Redact] |  |  | Coborrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9856760 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 30.177 | 33.54497 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9856760 | [Redact] |  |  | Borrower Citizenship |  | US Citizen | Verified | Field value reflects source document |
| [Redact] | 9856760 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9856763 | [Redact] |  |  | Origination Channel | Correspondent Flow without Delegated UW | Correspondent Flow with Delegated UW | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9856768 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | 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 |
| [Redact] | 9856768 | [Redact] |  |  | Origination Channel | Correspondent Flow without Delegated UW | Correspondent Flow with Delegated UW | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9856777 | [Redact] |  |  | Origination Channel | Correspondent Flow with Delegated UW | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9860518 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9860576 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9768765 | [Redact] |  |  | Appraised Value | [Redact] | [Redact] | Verified | Field Value captured from Valuation model in file |
| [Redact] | 9896617 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 7.468 | 15.84282 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| [Redact] | 9897044 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9917969 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9895808 | [Redact] |  |  | Coborrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9895808 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9895808 | [Redact] |  |  | Coborrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9895810 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9895810 | [Redact] |  |  | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9895810 | [Redact] |  |  | Borrower Birth Date | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9895810 | [Redact] |  |  | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9895811 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 41.257 | 47.05191 | Verified | Revised LP with a DTI of 47.00% provided |
| [Redact] | 9895828 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 45.046 | 39.28217 | Verified | Lender qualified with the mortgage payment on the REO twice. Docs in file verified there is only 1 mortgage on the REO. |
| [Redact] | 9895853 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9895872 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9895877 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9895877 | [Redact] |  |  | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9895895 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9895913 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9918170 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9953829 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9954582 | [Redact] |  | [Redact] | Representative FICO | 752 | 745 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9956980 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9957075 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9957075 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9978968 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9978960 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9978960 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9502459 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9502459 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9502459 | [Redact] |  |  | Refi Purpose |  | 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 |
| [Redact] | 9502459 | [Redact] |  |  | Original CLTV | 69.85 | 63.61111 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 9502459 | [Redact] |  |  | Original LTV | 69.85 | 63.61111 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 9554449 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Bid Tape Field Value is blank. |
| [Redact] | 9554449 | [Redact] |  |  | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9806956 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9806956 | [Redact] |  |  | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| [Redact] | 9806956 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 12.6385 | 25.1183 | Verified | Field Value DTI matches the 1008 |
| [Redact] | 9697700 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9697700 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 35.94 | 41.53304 | Verified | Field Value DTI is within tolerance of 1008 DTI 41.007%. |
| [Redact] | 9809557 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9809557 | [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 |
| [Redact] | 9809557 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 34.924 | 29.54956 | Verified | Field value is lower |
| [Redact] | 9809558 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9809558 | [Redact] |  |  | Refi Purpose |  | 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 |
| [Redact] | 9809558 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 31.7058 | 28.69156 | Verified | Per 1008 DTI is 28.879% and calculated DTI is 28.692% due to the Primary residence [Redact] PITI = [Redact] i.e. sum of [Redact] P&I + [Redact] Taxes Insurance +HOA of [Redact]= [Redact]. 1008 has PITIA of [Redact]. |
| [Redact] | 9501389 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9501389 | [Redact] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9503114 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9503232 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9501876 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9613076 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9693967 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9694751 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9694751 | [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 |
| [Redact] | 9806465 | [Redact] |  |  | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9806465 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided |
| [Redact] | 9806465 | [Redact] |  |  | Representative FICO | 735 | 777 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9806465 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided |
| [Redact] | 9769235 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9694614 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9694614 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9694614 | [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 |
| [Redact] | 9735213 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9615758 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9615758 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9615758 | [Redact] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9804487 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9809556 | [Redact] |  |  | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9809556 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9694514 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9694514 | [Redact] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9736682 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9809555 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9693964 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9732548 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9732163 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9732164 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9983337 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9983337 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Townhouse | Verified | Unable to verify due to missing information |
| [Redact] | 9896373 | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | The Bid Tape Field Value was not provided |
| [Redact] | 9896387 | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| [Redact] | 9844380 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9844380 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9844380 | [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 |
| [Redact] | 9896319 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9896319 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9365602 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9844272 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9732713 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9732140 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9732140 | [Redact] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9603493 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9603493 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9603493 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9693849 | [Redact] |  |  | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9693849 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9693850 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9807755 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9806957 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9808708 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9851605 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9808468 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9808468 | [Redact] |  |  | Original CLTV | 50 | 42.55319 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 9808468 | [Redact] |  |  | Original LTV | 50 | 42.55319 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 9896456 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9896456 | [Redact] |  |  | Original CLTV | 60.39 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 9954493 | [Redact] |  |  | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9954493 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9954494 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9954494 | [Redact] |  |  | Representative FICO | 716 | 721 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9954494 | [Redact] |  |  | Original CLTV | 60 | 69.23077 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 9954494 | [Redact] |  |  | Original LTV | 60 | 69.23077 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 9954498 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9954519 | [Redact] |  |  | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9954519 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9954524 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9954524 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9954508 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9954515 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9954515 | [Redact] |  |  | Decision System | DU |  | Verified | Field value reflects source document |
| [Redact] | 9954516 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9954516 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9954516 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 15.934 | 42.42438 | Verified | Field Value DTI matches 1008 DTI. |
| [Redact] | 9954510 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9954510 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9954510 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 39.7 | 36.52287 | Verified | Field value is lower |
| [Redact] | 9896399 | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9896428 | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | The Bid Tape Field Value was not provided |
| [Redact] | 9896385 | [Redact] |  |  | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9896385 | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | The Bid Tape Field Value was not provided |
| [Redact] | 9896386 | [Redact] |  |  | Property Type |  | Single Family Detached | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9896386 | [Redact] |  |  | Prepayment Penalty Period (months) |  | 12 | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9979510 | [Redact] |  |  | Origination Channel | Correspondent | Broker | Verified | Field Value reflects Broker per loan applications in file |
| [Redact] | 9979560 | [Redact] |  |  | Original CLTV |  | 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) |
| [Redact] | 9979561 | [Redact] |  |  | Original CLTV |  | 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) |
| [Redact] | 9979571 | [Redact] |  |  | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9979571 | [Redact] |  |  | Borrower Current Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9979571 | [Redact] |  |  | Borrower Current City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9979571 | [Redact] |  |  | Borrower Current Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9979571 | [Redact] |  |  | Original CLTV |  | 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) |
| [Redact] | 9979619 | [Redact] |  |  | Borrower Current Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9979619 | [Redact] |  |  | Original CLTV |  | 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) |
| [Redact] | 9695094 | [Redact] |  |  | Borrower Current Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9695094 | [Redact] |  |  | Borrower Current City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9695094 | [Redact] |  |  | Borrower Current State | [Redact] | [Redact] | Verified | Field Value reflects State per Note |
| [Redact] | 9695094 | [Redact] |  |  | Borrower Current Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9695059 | [Redact] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9979622 | [Redact] |  |  | Original CLTV |  | 75 | 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) |

---

## Exhibit 99.2

**Exhibit 99.2**

 **Schedule 4 - Valuation Summary Report**

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

![](ex99_001.jpg)

**Valuation Report**

**Run Date - 2/4/2026 8:45:12 PM** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| [Redact] | 8097520 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redact] | 9097943 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9158613 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.900% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9153173 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9153221 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9200260 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9197249 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9186369 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9208107 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9211091 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9216865 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9216859 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9229952 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9237475 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9239635 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9242927 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9243132 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.030% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9243514 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.630% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redact] | 9240460 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240517 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9247916 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9248279 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9248468 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [Redact] | 9248885 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9249180 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
| [Redact] | 9251955 | [Redact] | [Redact] |  |  |  |  |  |  | 11.110% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| [Redact] | 9252091 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9302648 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9303614 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9304779 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9238926 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9307591 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9356617 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9357437 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9357627 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| [Redact] | 9360721 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9360720 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [Redact] | 9362272 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9363366 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9365605 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [Redact] | 9365637 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| [Redact] | 9365639 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9365815 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9365856 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redact] | 9367830 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [Redact] | 9367829 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9369764 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9369929 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 9370937 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| [Redact] | 9371240 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.730% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9371244 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9371543 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9377566 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| [Redact] | 9377571 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9377801 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9377876 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9377875 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9386008 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9386011 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9387708 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9388077 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9388183 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9388216 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [Redact] | 9389688 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9389696 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9389740 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9447577 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9447580 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9447586 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| [Redact] | 9447901 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| [Redact] | 9498131 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9498153 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9498166 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9498490 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9498495 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9498498 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9498507 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redact] | 9498556 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9500476 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| [Redact] | 9500671 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9500675 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redact] | 9500981 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| [Redact] | 9501390 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| [Redact] | 9501829 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9501877 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9501890 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9501891 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9502465 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| [Redact] | 9502478 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9502480 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9502520 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9502516 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9502525 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9502703 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9503116 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redact] | 9503225 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| [Redact] | 9503228 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9503236 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9503292 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9503293 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9503528 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9504094 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [Redact] | 9504299 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 9505075 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9505076 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.250% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 9505067 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.450% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9505154 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redact] | 9389392 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| [Redact] | 9389388 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9389412 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9389391 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redact] | 9389405 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [Redact] | 9389415 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9389397 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9551468 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9554446 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9554452 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9554506 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.340% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9554508 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9554639 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9554845 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9554847 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9554857 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9555082 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9503129 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9503196 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9503150 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9503209 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [Redact] | 9555089 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9555090 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redact] | 9555142 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9555141 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9555311 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9555320 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9389422 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9555502 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9557288 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9557289 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9603527 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.290% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9603593 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9603592 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9603596 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9606066 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9606140 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9606151 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9606154 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9606830 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9606825 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9606837 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 9606842 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 10.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9608464 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9608458 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9610556 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.230% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [Redact] | 9610726 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9610873 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9610943 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9610940 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9610937 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9610938 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9611077 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9613067 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9613618 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9613634 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9613642 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9613792 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redact] | 9613842 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9606093 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9606096 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9606108 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9606095 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9606131 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9603570 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9603579 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -2.790% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| [Redact] | 9603586 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 |
| [Redact] | 9603588 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9614920 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9615017 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9615313 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9615793 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [Redact] | 9615794 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9651571 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9651582 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [Redact] | 9651580 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.650% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9651572 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 9606122 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9606118 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redact] | 9652788 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9652791 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9652793 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9652905 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| [Redact] | 9652907 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| [Redact] | 9652910 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9688383 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.490% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9688972 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9689575 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [Redact] | 9689603 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9689589 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9689588 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9689606 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9689607 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9689604 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9689659 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [Redact] | 9689668 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redact] | 9689665 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redact] | 9606105 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9896318 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [Redact] | 9693365 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9693366 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9693378 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.200% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9693381 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9693427 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9693585 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9693581 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9693843 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9693856 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9693859 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| [Redact] | 9693946 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9694012 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 9694501 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9694502 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9694519 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| [Redact] | 9694518 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9694521 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9694619 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9694658 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9694748 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9694750 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.230% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redact] | 9694756 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 9694755 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| [Redact] | 9694754 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9694781 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redact] | 9697628 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9697668 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9697763 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| [Redact] | 9697764 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| [Redact] | 9697869 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9697873 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9697866 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9697870 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9697971 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9697982 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| [Redact] | 9697979 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9698158 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 9698160 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9698161 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9698189 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9698191 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9698192 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9698250 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9698792 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9698793 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redact] | 9698794 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9731877 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9731871 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9731878 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.880% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| [Redact] | 9731872 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9499993 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9499994 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9499995 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9499998 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.920% |  |  | Drive By |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.920% |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9499999 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.350% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500001 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.500% |  |  | Drive By |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.500% |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500006 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.630% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500014 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500017 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500029 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.200% |  |  | Drive-by |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500035 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | -1.190% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.19% |  |  |  |  |  |
| [Redact] | 9500050 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | -4.730% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.73% |  |  |  |  |  |
| [Redact] | 9500051 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500052 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | -2.310% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.31% |  |  |  |  |  |
| [Redact] | 9500058 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500059 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500060 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500062 | [Redact] |  |  |  |  |  |  |  | 10.430% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Drive-by |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500065 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500069 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500070 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.630% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500071 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.060% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500072 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500073 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500075 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500076 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.170% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500078 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500080 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500085 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.710% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | -8.120% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500086 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |  |
| [Redact] | 9500088 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500090 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500092 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |  |
| [Redact] | 9500095 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500096 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500097 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500099 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500102 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.580% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500104 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.090% |  |  | Drive-by |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500105 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500106 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500107 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500108 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500111 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500114 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500115 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 24.000% |  |  | Drive By |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500116 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500117 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500119 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500121 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500123 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500124 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.760% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500125 | [Redact] |  |  |  |  |  |  |  | 27.190% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 27.190% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9606114 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9732142 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| [Redact] | 9732149 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9732146 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9862062 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9698050 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| [Redact] | 9698057 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9732726 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9732719 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9733846 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9733847 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9733849 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| [Redact] | 9734304 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9734307 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9735211 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [Redact] | 9610758 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.140% |  |  | Drive-by |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9735216 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9735279 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9735277 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9768629 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9769238 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| [Redact] | 9769303 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9769348 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9769349 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9769477 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9769475 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| [Redact] | 9606106 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| [Redact] | 9802884 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redact] | 9802895 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9802896 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9802886 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9804480 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 10.150% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| [Redact] | 9804481 | [Redact] | [Redact] |  |  |  |  |  |  | 1.530% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804557 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9804821 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9804819 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9805202 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9805206 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9805201 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9805207 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9805315 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9805437 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9805433 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9805436 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9805443 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.670% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [Redact] | 9805441 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9805447 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9805446 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | -13.600% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9805614 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.710% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9805920 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.370% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9805925 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redact] | 9807836 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9807902 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redact] | 9808465 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9808467 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9808711 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redact] | 9808763 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9808764 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9808768 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9808767 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9768738 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9768772 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9768780 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9768775 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9768731 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9768743 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9768754 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| [Redact] | 9768766 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9768739 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9768751 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9768733 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9768763 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9768777 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9808946 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| [Redact] | 9809166 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9809165 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9809513 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9809509 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.310% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [Redact] | 9809641 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9809918 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [Redact] | 9809938 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| [Redact] | 9810046 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redact] | 9810051 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9810050 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9810294 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9810295 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9844301 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9844717 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9844719 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9844724 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9844725 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9844723 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9844958 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9845302 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| [Redact] | 9845303 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9845304 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| [Redact] | 9845832 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 9845836 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.690% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redact] | 9845892 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9845893 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9768749 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9768752 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9768740 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9768769 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9768746 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9768773 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9846236 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9846235 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9848347 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9251270 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.500% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.80 |
| [Redact] | 9251452 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9251467 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9849176 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9850048 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9850110 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9850116 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9850106 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9850113 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| [Redact] | 9850111 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redact] | 9850117 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9850120 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9851533 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9851567 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [Redact] | 9852035 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9852514 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redact] | 9852723 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [Redact] | 9852725 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9852717 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9852733 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9853889 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9854921 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9855040 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9855039 | [Redact] | [Redact] |  |  |  |  |  |  | 1.480% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redact] | 9855041 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9855036 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redact] | 9855426 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9855858 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9855861 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9856872 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [Redact] | 9856882 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9856876 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9856874 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9857096 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redact] | 9768757 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9768750 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [Redact] | 9768767 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9858036 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9859558 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859559 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859566 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.70 |
| [Redact] | 9860188 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redact] | 9860185 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9856759 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.180% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 9856760 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redact] | 9856763 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [Redact] | 9856765 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -0.980% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| [Redact] | 9856768 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9856770 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9856777 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 |
| [Redact] | 9856781 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9856783 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.490% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9860517 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9860518 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.10 |
| [Redact] | 9860576 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| [Redact] | 9768765 | [Redact] |  |  |  |  |  |  |  | 5.750% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
| [Redact] | 9896617 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redact] | 9896647 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redact] | 9897044 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redact] | 9898645 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9917969 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.080% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9895803 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| [Redact] | 9895808 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [Redact] | 9895810 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [Redact] | 9895811 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redact] | 9895828 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [Redact] | 9895831 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [Redact] | 9895853 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [Redact] | 9895857 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9895860 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| [Redact] | 9895872 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.10 |
| [Redact] | 9895877 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| [Redact] | 9895895 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9895913 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9918170 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redact] | 9951053 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9953829 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.080% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954582 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9956980 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9957075 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9978968 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9978960 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.980% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9502459 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9554449 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9806956 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9697700 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9809557 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9809558 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9501389 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| [Redact] | 9503114 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9503232 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9501876 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [Redact] | 9613076 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9693967 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9694751 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9806465 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.650% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9769235 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9694614 | [Redact] |  |  |  |  |  |  |  | 9.190% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9735213 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9615758 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9804487 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9809556 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redact] | 9694514 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9736682 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9809555 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9693964 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9732548 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9732163 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9732164 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [Redact] | 9983337 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9896373 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.850% |  |  | AVM |  | 0.03 |  |  |  | 0.080% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.00 |
| [Redact] | 9896387 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9844380 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.00 |
| [Redact] | 9896319 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9365602 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.670% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| [Redact] | 9844272 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9732713 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redact] | 9732140 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.260% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| [Redact] | 9603493 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
| [Redact] | 9693849 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9693850 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9807755 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redact] | 9806957 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9808708 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9851605 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redact] | 9808468 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9896456 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9954493 | [Redact] |  |  |  |  |  |  |  | 23.330% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954494 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954498 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954519 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9954524 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9954508 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954515 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954516 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954510 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9896399 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redact] | 9896428 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9896385 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9896386 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| [Redact] | 9979510 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9979560 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9979561 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9979571 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [Redact] | 9979619 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [Redact] | 9694918 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.10 |
| [Redact] | 9695094 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [Redact] | 9695059 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| [Redact] | 9979622 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9979495 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |

---

## Exhibit 99.2

**Exhibit 99.2**

 **Schedule 5 - Supplemental Report**

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

![](ex99_001.jpg)

**Supplemental Data**

**Run Date - 2/4/2026 8:45:12 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** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** |
| [Redact] | 8097520 | [Redact] |  | Exempt from ATR | Non QM |  |  | No | Yes | $15848.00 | $18517.54 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.933% | 46.933% | 46.933% | [Redact] | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 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]; Tax Return Extension - 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]; 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 |  |  |  | $15848.00 |  | [Redact] | $7500.00 | 1.9 | DU |  | ApproveEligible | N/A | No | [Redact] | 1 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 34.300% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.63 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9097943 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1495.00 | $18028.22 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 31.546% | 31.546% | 31.546% | [Redact] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 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] | $1495.00 |  | [Redact] | $7500.00 | 1 |  |  |  | N/A | No | [Redact] | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 70.900% | No |  | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 84.39 | Retail |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9158613 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $16195.00 | $3063.98 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.057% | 32.057% | 32.057% | [Redact] | 634 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16195.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 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 | 25.91 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9153173 | [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 | 1.23 | 0.81 |  |  |  |  |  |  |  | [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 | 101.71 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9153221 | [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 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 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 | 52.95 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9200260 | [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] | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.47 | 0.68 |  |  |  |  |  |  |  | [Redact] | [Redact] | 76.770% | 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 |  |  |  |  |  |  |  |  |  |  |  | 39.94 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9197249 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $13871.92 | $5005.17 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.308% | 44.308% | 44.308% | [Redact] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Rations]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Non-Primary Income - Rations]; Other - 2025<br> [Borrower - \| Non-Primary Income - Rations]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Rations]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Other - 2025<br> [Borrower - \| Non-Primary Income - Housing Allowance]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Housing Allowance]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13871.92 |  | [Redact] | $8542.61 |  |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 23.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.11 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9186369 | [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] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 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 | 60.47 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9208107 | [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] | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.68 |  |  |  |  |  |  |  | [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 | 14.47 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9211091 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $19624.00 | $0.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 20.451% | 20.451% | 20.451% | [Redact] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $19624.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.6 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9216865 | [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] | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.01 | 0.99 |  |  |  |  |  |  |  | [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 | 26.7 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9216859 | [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] | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.28 | 0.78 |  |  |  |  |  |  |  | [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 | 5.7 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9229952 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1990.00 | $4027.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 12.066% | 12.066% | 12.066% | [Redact] | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1990.00 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 63.67 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9237475 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $14886.59 | $10519.01 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 12.503% | 12.503% | 12.503% | [Redact] | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 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]; Third Party Verification - 2019<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 - 2018<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 | No |  | [Redact] | $14886.59 |  | [Redact] | $0.00 | 2.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 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 | 42.95 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9239635 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6565.00 | $7791.20 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 19.797% | 19.797% | 19.797% | [Redact] | 644 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6565.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 86.19 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9242927 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $14970.80 | $19634.88 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.757% | 45.513% | 49.757% | [Redact] | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14970.80 |  | [Redact] | $30000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 360 | [Redact] | [Redact] | 56.420% | 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 |  |  |  |  |  |  |  |  |  |  |  | 15.4 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9243132 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $9567.65 | $11414.95 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.568% | 36.568% | 36.568% | [Redact] | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 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]; 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 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9567.65 |  | [Redact] | $8000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 2.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 14.38 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9243514 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2224.80 | $8803.24 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 25.075% | 25.075% | 25.075% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2017<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; W-2 Transcript - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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 - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2224.80 |  | [Redact] | $3304.00 | 3.5 | DU |  | ApproveIneligible | N/A | No | [Redact] | 4 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 31 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 150.63 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240460 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.24 | 0.81 |  |  |  |  |  |  |  | [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 | 8.12 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9240517 | [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 | 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 | 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 | 158.97 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 31 |
| [Redact] | 9247916 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8397.86 | $18123.90 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 17.326% | 17.326% | 17.326% | [Redact] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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] | $15104.52 |  | [Redact] | $10670.91 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.97 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9248279 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $15546.64 | $18542.86 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.901% | 44.901% | 44.901% | [Redact] | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 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<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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $15546.64 |  | [Redact] | $11728.31 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 17.290% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.45 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9248468 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $18515.00 | $25301.25 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.163% | 38.163% | 38.163% | [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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $18515.00 |  | [Redact] | $4000.00 | 2.4 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 31.440% | No | 7 | 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 |  |  |  |  |  |  |  |  |  |  |  | 31.09 | Retail | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9248885 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $14334.00 | $7824.90 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.885% | 41.885% | 41.885% | [Redact] | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 79.000% | 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]; Account Statements - Business - 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]; CPA Letter - 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]; Expense Letter - 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]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14334.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.49 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9249180 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $5704.00 | $6502.38 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.044% | 47.044% | 47.044% | [Redact] | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 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 - 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] | $5704.00 |  | [Redact] | $0.00 | 4.5 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 108.86 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9251955 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $65138.00 | $72778.69 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 2.838% | 2.838% | 2.838% | [Redact] | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<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 - 2014 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $65138.00 |  | [Redact] | $0.00 | 2.9 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 34.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.68 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9252091 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $5190.30 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.824% | 43.824% | 43.824% | [Redact] | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $35000.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 2 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 11.180% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.54 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9302648 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $16110.73 | $19622.26 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 16.611% | 16.611% | 16.611% | [Redact] | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 32.00000% \| 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: 32.00000% \| 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: 32.00000% \| Expense Ratio Source: CPA Letter \| # 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] | $16110.73 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 3.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 28.63 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9303614 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $13792.57 | $6615.31 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 23.999% | 23.999% | 23.999% | [Redact] | 632 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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] | $13792.57 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 74.43 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9304779 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1387.00 | $2765.86 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 16.097% | 16.097% | 16.097% | [Redact] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  | [Redact] | $1387.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 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 | 93.32 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 10 |
| [Redact] | 9238926 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15000.00 | $14856.09 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.996% | 36.996% | 36.996% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $15000.00 |  | [Redact] | $0.00 | 1.2 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 26.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.95 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9307591 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $9631.74 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 22.368% | 22.368% | 22.368% | [Redact] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - K-1 (< 25%)]; Other - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Deposit Receipt - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Paystubs - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 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 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 | 0 | 3 | 0 | 2 | 3 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [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 |  |  |  |  |  |  |  |  |  |  |  | 218.34 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9356617 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $16020.42 | $9851.08 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.254% | 47.254% | 47.254% | [Redact] | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Account Statements - Personal - 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]; CPA Letter - 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]; Other - 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]; Other - 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]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $26220.42 |  | [Redact] | $10200.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 46.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.6 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9357437 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $10015.00 | $12437.47 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | Yes | Non-Employment Income | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.593% | 48.593% | 48.593% | [Redact] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 93.000% |  | 100.000% |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance 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]; Account Statements - Business - 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 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10015.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 82.87 | Retail | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9357627 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $20753.99 | $4440.56 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.761% | 36.761% | 36.761% | [Redact] | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $20753.99 |  | [Redact] | $0.00 | 999 |  |  |  | N/A | No | [Redact] | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  | 32 |  |  | 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 | 12.3 | Broker | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9360721 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8497.57 | $11366.82 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.370% | 42.370% | 42.370% | [Redact] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 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]; Account Statements - Business - 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]; CPA Letter - 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]; Expense Letter - 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]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8497.57 |  | [Redact] | $11997.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.71 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9360720 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $14464.00 | $18535.54 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 31.256% | 31.256% | 31.256% | [Redact] | 637 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 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]; Account Statements - Business - 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]; 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14464.00 |  | [Redact] | $30000.00 | 2.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 18.010% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.89 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9362272 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6479.93 | $1688.77 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.778% | 30.778% | 30.778% | [Redact] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 24.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 24.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 24.00000% \| 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: 24.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; D1C Income Verification Report - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 24.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 24.00000% \| 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: 24.00000% \| 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: 24.00000% \| 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] | $6479.93 |  | [Redact] | $9010.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 | 0.000% | No | 1 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.48 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9363366 | [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] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $4000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | [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 |  |  |  |  |  |  |  |  |  |  |  | 336.3 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 |
| [Redact] | 9365605 | [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] | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.8 |  |  |  | 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 | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 76.34 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9365637 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6499.55 | $13583.10 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.983% | 44.983% | 44.983% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6499.55 |  | [Redact] | $0.00 | 4.2 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 20.790% | No | 32 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.96 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9365639 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8783.19 | $10386.31 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.659% | 41.659% | 41.659% | [Redact] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Account Statements - Personal - 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8783.19 |  | [Redact] | $9495.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 10.640% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.9 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9365815 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $63747.78 | $21711.87 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.927% | 32.927% | 32.927% | [Redact] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $63747.78 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 2.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.91 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9365856 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1690.00 | $1898.86 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.190% | 30.190% | 30.190% | [Redact] | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1690.00 |  | [Redact] | $0.00 | 1.7 |  |  |  | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 107.12 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9367830 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $14759.98 | $19105.81 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.880% | 48.880% | 48.880% | [Redact] | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: CPA Letter \| # 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: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14759.98 |  | [Redact] | $0.00 | 3.2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 14.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.62 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9367829 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $5121.25 | $8745.08 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.923% | 40.923% | 40.923% | [Redact] | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5121.25 |  | [Redact] | $1000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 9.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.23 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9369764 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $3040.00 | $4682.26 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.228% | 37.228% | 37.228% | [Redact] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - 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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3040.00 |  | [Redact] | $0.00 |  | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 433.13 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9369929 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1590.00 | $5104.44 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.042% | 39.042% | 39.042% | [Redact] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1590.00 |  | [Redact] | $0.00 | 2.2 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 28.470% | No | 32 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.89 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9370937 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $13093.40 | $6339.27 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.859% | 34.859% | 34.859% | [Redact] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13093.40 |  | [Redact] | $0.00 | 3.4 |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  | 32 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 92.61 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9371240 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $11920.00 | $11204.32 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 7.655% | 7.655% | 7.655% | [Redact] | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<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] | $11920.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 12.12 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9371244 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8345.00 | $9289.19 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.719% | 29.719% | 29.719% | [Redact] | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8345.00 |  | [Redact] | $19597.57 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 36.860% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.38 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9371543 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6315.64 | $15216.69 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.670% | 29.670% | 29.670% | [Redact] | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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]; 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<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 - Personal - 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]; CPA Letter - 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]; 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]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12315.64 |  | [Redact] | $6000.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 21.800% | 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 |  |  |  |  | 6.13 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9377566 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $9247.52 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.892% | 42.892% | 42.892% | [Redact] | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 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]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 3.8 |  |  |  | N/A | No | [Redact] | 1 |  | 1 | 0 | 4 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 24.160% | No | 32 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.89 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9377571 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $16683.55 | $41.45 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.011% | 29.011% | 29.011% | [Redact] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| 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 - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| 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: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| 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: 40.00000% \| 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16683.55 |  | [Redact] | $42342.70 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 12.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.17 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9377801 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $5719.20 | $3038.29 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 25.951% | 25.951% | 25.951% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 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] | $5719.20 |  | [Redact] | $13000.00 | 1 |  |  |  | N/A | No | [Redact] | 1 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 59.800% | No | 17 | 32 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 75.09 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9377876 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $24635.00 | $31959.87 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.021% | 47.021% | 47.021% | [Redact] | 643 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| 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: 18.00000% \| 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: 18.00000% \| 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: 18.00000% \| 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: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 0 | 0 | No |  | [Redact] | $24635.00 |  | [Redact] | $0.00 | 5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [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 | 11.15 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9377875 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $14615.00 | $17936.48 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.532% | 36.532% | 36.532% | [Redact] | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14615.00 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 9.200% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 11.55 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9386008 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $16617.74 | $19676.39 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.953% | 49.953% | 49.953% | [Redact] | 649 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: CPA Letter \| # 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: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.00000% \| Expense Ratio Source: CPA Letter \| # 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: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16617.74 |  | [Redact] | $0.00 | 2.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.99 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9386011 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4687.00 | $9351.86 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.409% | 44.409% | 44.409% | [Redact] | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4687.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.500% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 11.55 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9387708 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $19451.17 | $10413.38 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.486% | 32.486% | 32.486% | [Redact] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $19451.17 |  | [Redact] | $24000.00 | 1 |  |  |  | N/A | No | [Redact] | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 25.220% | No | 12 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.79 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9388077 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $36974.50 | $22172.20 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 21.538% | 21.538% | 21.538% | [Redact] | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2016<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2016<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $36974.50 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [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 | 21.93 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9388183 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $10526.20 | $6430.40 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 23.827% | 23.827% | 23.827% | [Redact] | 632 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10526.20 |  | [Redact] | $0.00 | 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 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 127.89 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9388216 | [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] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.4 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.54 | 0.65 |  |  |  |  |  |  |  | [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 | 21.67 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9389688 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8847.50 | $3398.60 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.698% | 42.698% | 42.698% | [Redact] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8847.50 |  | [Redact] | $0.00 | 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 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 245.11 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9389696 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $3467.38 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.314% | 32.314% | 32.314% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 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 - Pension]; Paystubs - 2025 | [Coborrower]; 1040 - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 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] | $1640.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 189.27 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9389740 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 706 | 732 | 735 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.6 |  |  |  | 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 | 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 | 39.1 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9447577 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $2355.28 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.018% | 39.018% | 39.018% | [Redact] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 35.320% | 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 |  |  |  |  |  |  |  |  |  |  |  | 16.72 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9447580 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $3355.30 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed | Not Employed |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 12.320% | 12.320% | 12.320% | [Redact] | 787 | 808 | 755 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2022 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 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] | $1640.00 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Authorized Signor |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  | 260.46 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9447586 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $17240.00 | $2387.24 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.754% | 29.754% | 29.754% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $17240.00 |  | [Redact] | $0.00 | 3.6 |  |  |  | N/A | No | [Redact] | 2 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 25.680% | 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 |  |  |  |  |  |  |  |  |  |  |  | 14.21 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9447901 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $5793.59 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | [Redact] | [Redact] |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.001% | 35.001% | 35.001% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | ($1953.88) | 4.2 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 54.700% | No | 32 | 32 |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | VISA | VISA |  |  |  | 40.71 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9498131 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $4492.99 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.896% | 41.896% | 41.896% | [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]; 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 - 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] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 38.360% | No | 32 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 44.56 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9498153 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.69 |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 29.99 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 |
| [Redact] | 9498166 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1745.00 | $2510.20 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.518% | 28.518% | 28.518% | [Redact] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1745.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 64.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 68.15 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9498490 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4288.54 | $6325.52 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.996% | 46.996% | 46.996% | [Redact] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: CPA Letter \| # 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: CPA Letter \| # 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: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| 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: 10.00000% \| Expense Ratio Source: CPA Letter \| # 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] | $4288.54 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 18.150% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.06 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9498495 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $3602.18 | $5598.89 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.923% | 35.923% | 35.923% | [Redact] | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3602.18 |  | [Redact] | $0.00 | 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 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.83 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9498498 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $3089.58 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.494% | 35.494% | 35.494% | [Redact] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [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]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 336.09 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9498507 | [Redact] | [Redact] | N/A |  |  |  | No | No | $4375.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4375.00 |  | [Redact] | $0.00 | 1.7 |  |  |  | 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 | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 46.88 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9498556 | [Redact] | [Redact] | N/A |  |  |  | No | No | $7477.50 |  |  | [Redact] | [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 | No |  | [Redact] | $7477.50 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 432.84 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| [Redact] | 9500476 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2908.75 | $5269.13 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Not Employed | Employed |  | 7.24 |  |  | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.704% | 48.704% | 48.704% | [Redact] | 677 | 667 | 744 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Employer Letter - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2908.75 |  | [Redact] | $0.00 | 2.8 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  | 32 |  | 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 | 43.43 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9500671 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $14518.24 | $5099.40 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.753% | 48.753% | 48.753% | [Redact] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 83.000% | 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]; Expense 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]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14518.24 |  | [Redact] | $15000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 11.940% | 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 |  |  |  |  |  |  |  |  |  |  |  | 19.02 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9500675 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1590.00 | $17535.70 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.949% | 34.949% | 34.949% | [Redact] | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; 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> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1590.00 |  | [Redact] | $11000.00 | 1.7 |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 91.350% | No |  | 32 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 110.83 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9500981 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $11628.76 | $13448.84 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.188% | 34.188% | 34.188% | [Redact] | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 25.000% | 25.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<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]; Third Party Verification - 2025 | [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] | $11628.76 |  | [Redact] | $0.00 | 3.3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 8.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.05 | Retail | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9501390 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2619.02 | $4269.25 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.263% | 47.263% | 47.263% | [Redact] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2619.02 |  | [Redact] | $0.00 | 4.4 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 58.140% | 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 |  |  |  |  |  |  |  |  |  |  |  | 56.73 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9501829 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $35175.00 | $3449.74 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.155% | 29.155% | 34.038% | [Redact] | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 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 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 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] | $35175.00 |  | [Redact] | $0.00 | 1 | DU |  | Out of Scope | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | No | 33 | 22 |  |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 29.99 |  | No | No |  | [Redact] | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| [Redact] | 9501877 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $4883.70 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.221% | 40.221% | 40.221% | [Redact] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [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] | $1640.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 77.470% | No | 5 |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 86.53 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9501890 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1880.00 | $6952.08 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 22.105% | 22.105% | 22.105% | [Redact] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; 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: 24]; 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: 24]; 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: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1880.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 21.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.16 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9501891 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $5079.55 | $8233.46 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.044% | 40.044% | 40.044% | [Redact] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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]; 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]; 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5079.55 |  | [Redact] | $14397.00 | 2.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.49 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9502465 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $12830.00 | $5797.36 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed | Employed | Employed | 12.52 | 0.22 |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  | [Redact] | [Redact] | [Redact] | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.154% | 32.154% | 32.154% | [Redact] | 745 | 795 | 801 | 800 | 680 | 745 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [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 Transcript - 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]; 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 Transcript - 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]; The Work Number - Income - 2025 | [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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12830.00 |  | [Redact] | $10000.00 | 4.1 |  |  |  | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 45.330% | No |  | 33 | 33 | 2 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | 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 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  | Resident Alien Card | Resident Alien Card | Resident Alien Card |  | 36.63 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9502478 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $3720.00 | $5201.23 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed | Employed |  | 7.79 |  |  | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.932% | 42.932% | 42.932% | [Redact] | 790 | 792 | 809 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 Transcript - 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]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [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] | $3720.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  | 33 | 33 |  | 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 |  |  |  |  |  |  |  |  | 159.88 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9502480 | [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] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redact] | [Redact] | 5.920% | 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 |  |  |  |  |  |  |  |  |  |  |  | 64.41 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 6 |
| [Redact] | 9502520 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4840.68 | $5931.01 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.558% | 37.558% | 37.558% | [Redact] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Account Statements - Personal - 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]; CPA Letter - 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]; Expense Letter - 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]; Other - 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]; Telephone Listing / Internet Search / Directory Assistance - 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]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4840.68 |  | [Redact] | $4710.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 20.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9502516 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1990.00 | $4576.96 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.760% | 49.760% | 49.760% | [Redact] | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1990.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 8 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 10.3 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9502525 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $1571.05 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.141% | 44.141% | 44.141% | [Redact] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $15000.00 | 1 |  |  |  | N/A | No | [Redact] | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 55.920% | No | 21 | 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 |  |  |  |  |  |  |  |  |  |  |  | 67.29 | Retail | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9502703 | [Redact] | [Redact] | N/A |  |  |  | No | No | $2102.00 |  |  | [Redact] | [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 | No |  | [Redact] | $2102.00 |  | [Redact] | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | [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 | 10.93 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9503116 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] | [Redact] | 0.400% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.35 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9503225 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1695.00 | $4137.52 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.496% | 42.496% | 42.496% | [Redact] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1695.00 |  | [Redact] | $0.00 | 999 |  |  |  | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 89.330% | No |  | 32 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 46.23 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9503228 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $17488.00 | $6801.68 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed | Employed |  | 6.93 |  |  | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.636% | 36.636% | 36.636% | [Redact] | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; 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]; Vesting Schedule - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Restricted Stock Agreement - 2021 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $17488.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  | 6 | 32 |  | 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 |  |  |  |  |  |  |  |  | 155.67 | Retail | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9503236 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $20698.00 | $27582.87 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.342% | 46.342% | 46.342% | [Redact] | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 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]; Account Statements - Business - 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]; CPA Letter - 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]; Expense Letter - 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]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $20698.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [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 | 37.93 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9503292 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $2256.20 | $4608.90 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.916% | 41.916% | 41.916% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2256.20 |  | [Redact] | $6000.00 |  |  |  |  | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 32 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 134.55 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9503293 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.37 | 0.42 |  |  |  |  |  |  |  | [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 | 6.95 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9503528 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $9112.68 | $12981.66 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 14.266% | 14.266% | 14.266% | [Redact] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Expense 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]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9112.68 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 17.980% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.54 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9504094 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $12790.00 | $4133.74 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.745% | 32.147% | 38.007% | [Redact] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12790.00 |  | [Redact] | $0.00 |  | DU |  | Out of Scope | No | No | [Redact] | 0 |  | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 222.49 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9504299 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1590.00 | $5303.11 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.394% | 41.394% | 41.394% | [Redact] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; 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 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 - 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] | $1590.00 |  | [Redact] | $64000.00 | 2.3 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 27.100% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.42 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9505075 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $13710.55 | $14677.06 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.994% | 44.994% | 44.994% | [Redact] | 622 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 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]; Account Statements - Business - 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]; 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]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13710.55 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.36 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9505076 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $52096.00 | $55250.25 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 21.688% | 21.688% | 21.688% | [Redact] | 656 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $52096.00 |  | [Redact] | $0.00 | 2.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 8.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.25 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9505067 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $11513.49 | $7844.13 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.952% | 39.952% | 39.952% | [Redact] | 632 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<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 - 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 | No |  | [Redact] | $11513.49 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 117.63 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9505154 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1590.00 | $3395.68 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.631% | 41.631% | 41.631% | [Redact] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 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%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<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 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<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 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - 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 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 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 | No |  | [Redact] | $1590.00 |  | [Redact] | $0.00 | 2.1 |  |  |  | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 2 | 2 |  |  |  | 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 | 160.92 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9389392 | [Redact] |  | Non QM |  |  |  | Yes | No | $19650.60 | $21123.73 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.972% | 44.972% | 44.972% | [Redact] | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 90.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 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: 24]; 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: 24]; 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: 24]; 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: 24]; 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: 24]; Third Party Verification - 2007<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $19650.60 |  | [Redact] | $0.00 | 4 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 38.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.09 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9389388 | [Redact] |  | Non QM |  |  |  | Yes | No | $42570.00 | $25400.25 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.458% | 43.458% | 43.458% | [Redact] | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $42570.00 |  | [Redact] | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 6.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.16 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9389412 | [Redact] |  | Non QM |  |  |  | Yes | No | $10318.98 | $14345.84 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.849% | 49.849% | 49.849% | [Redact] | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 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]; Account Statements - Business - 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]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $10318.98 |  | [Redact] | $20000.00 | 2.5 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 | 0.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.74 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9389391 | [Redact] |  | Non QM |  |  |  | Yes | No | $7130.00 | $7642.06 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.267% | 41.267% | 41.267% | [Redact] | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 34.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 34.00% \| 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: 34.00% \| 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: 34.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 34.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $7130.00 |  | [Redact] | $9000.00 | 1.9 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 10.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.25 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9389405 | [Redact] |  | Non QM |  |  |  | Yes | No | $8527.50 | $9753.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.228% | 44.228% | 44.228% | [Redact] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 64.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| 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: 10.00000% \| 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: 10.00000% \| 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: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $8527.50 |  | [Redact] | $15000.00 | 3.2 |  |  |  | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 21.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.33 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9389415 | [Redact] |  | Non QM |  |  |  | Yes | No | $11632.50 | $14428.19 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.757% | 38.757% | 38.757% | [Redact] | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 31.00000% \| 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: 31.00000% \| 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: 31.00000% \| 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: 31.00000% \| 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: 31.00000% \| 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 |  |  | [Redact] | $11632.50 |  | [Redact] | $49336.00 |  | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 11.480% | 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 |  |  |  |  | 6.33 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9389397 | [Redact] |  | N/A |  |  |  | No | No | $21800.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $21800.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.56 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9551468 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $5168.00 | $6498.73 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.351% | 36.351% | 36.351% | [Redact] | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5168.00 |  | [Redact] | $5000.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 150.92 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9554446 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1890.00 | $2567.74 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.800% | 39.800% | 39.800% | [Redact] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | 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]; Account Statements - Business - 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]; 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]; 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 - 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]; 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]; 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 - 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]; 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]; 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 - 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]; 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> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 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 - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 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 - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<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]; 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<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 | No |  | [Redact] | $1890.00 |  | [Redact] | $8500.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 43.040% | 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 |  |  |  |  |  |  |  |  |  |  |  | 64.22 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9554452 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $5069.06 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.288% | 32.288% | 32.288% | [Redact] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 3 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.82 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9554506 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $41195.00 | $9867.13 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | Yes | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.850% | 38.850% | 38.850% | [Redact] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% | 50.000% |  | [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<br> [Coborrower(s) - \| 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 - 2025<br> [Coborrower(s) - \| 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> [Coborrower(s) - \| 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 | [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] | $41195.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 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 | 11.74 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9554508 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $7832.40 | $9510.22 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.691% | 28.691% | 28.691% | [Redact] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 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] | $7832.40 |  | [Redact] | $1000.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 33.540% | No | 21 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.84 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9554639 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $5564.96 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.244% | 41.516% | 47.244% | [Redact] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Pension]; D1C Income Verification Report - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; D1C Income Verification Report - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2023<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; D1C Income Verification Report - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  | 240 | [Redact] | [Redact] | 100.000% | No | 1 | 1 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 42.4 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9554845 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1890.00 | $3426.84 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.641% | 39.641% | 39.641% | [Redact] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | 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]; Account Statements - Business - 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]; 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]; 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]; 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 - 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]; 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]; 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]; 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 - 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]; 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]; 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]; 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 - 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]; 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]; 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]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 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 - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 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 - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; 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<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] | $1890.00 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [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 | 121.75 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9554847 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $3100.24 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 19.108% | 19.108% | 19.108% | [Redact] | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 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 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 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] | $1640.00 |  | [Redact] | $0.00 | 5 |  |  |  | N/A | No | [Redact] | 0 | 2 | 2 | 0 | 3 | 2 |  |  |  | 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 | 36.38 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9554857 | [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] | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.67 |  |  |  |  |  |  |  | [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 | 14.56 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9555082 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6492.54 | $11174.02 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 26.969% | 26.969% | 26.969% | [Redact] | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 34.90000% \| 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: 34.90000% \| 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: 34.90000% \| 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: 34.90000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 34.90000% \| Expense Ratio Source: CPA Letter \| # 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] | $6492.54 |  | [Redact] | $40000.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 0.970% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 9.88 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9503129 | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $4148.60 | $5079.66 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.646% | 44.646% | 44.646% | [Redact] | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<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]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4148.60 |  | [Redact] | $1000.00 | 2 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [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 |  |  |  |  |  |  |  |  |  |  |  | 350.47 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9503196 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1745.00 | $4279.06 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.375% | 39.375% | 39.375% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1745.00 |  | [Redact] | $0.00 | 2.6 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | FNMA - Published after June 2020 | Yes |  | [Redact] | [Redact] | 20.040% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.95 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9503150 | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $1645.00 | $5635.42 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.586% | 32.586% | 32.586% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1645.00 |  | [Redact] | $0.00 | 1.2 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 57.230% | No |  | 30 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 52.4 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9503209 | [Redact] |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $2930.00 | $4975.14 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.336% | 46.336% | 46.336% | [Redact] | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2930.00 |  | [Redact] | $53000.00 | 1.8 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | FNMA - Published after June 2020 | Yes |  | [Redact] | [Redact] | 12.270% | No | 31 | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 3.56 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9555089 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $7790.00 | $9341.05 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 26.216% | 26.216% | 26.216% | [Redact] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7790.00 |  | [Redact] | $5000.00 |  | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 31.340% | No | 33 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.87 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9555090 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $3267.18 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 8.118% | 8.118% | 8.118% | [Redact] | 821 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; Other - 2023 | [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 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 |  |  |  | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 85.330% | 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 |  |  |  |  |  |  |  |  |  |  |  | 45.96 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9555142 | [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] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.6 | 0.63 |  |  |  |  |  |  |  | [Redact] | [Redact] | 92.300% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 70.13 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9555141 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $21286.51 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.362% | 38.019% | 43.362% | [Redact] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Disability]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 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 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 5 |  |  |  | N/A | No | [Redact] | 0 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  | 240 | [Redact] | [Redact] | 100.000% | No | 33 | 33 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 271.4 | Retail | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9555311 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $7265.00 | $3725.84 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.804% | 37.804% | 37.804% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7265.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  | 33 |  |  | 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 | 55.73 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9555320 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2345.22 | $6025.35 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.587% | 41.587% | 41.587% | [Redact] | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2345.22 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 58.63 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9389422 | [Redact] |  | Non QM |  |  |  | Yes | No | $8865.00 | $13930.69 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.595% | 40.595% | 40.595% | [Redact] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| 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: 28.00000% \| 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: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| 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 |  |  | [Redact] | $8865.00 |  | [Redact] | $35000.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.16 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9555502 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4987.50 | $7300.66 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | Yes | Non-Employment Income | Employed | Employed |  | 10.46 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.576% | 45.576% | 45.576% | [Redact] | 716 | 764 | 767 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; 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) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4987.50 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  | 32 | 32 |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 9.95 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9557288 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2764.55 | $3996.70 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | [Redact] | [Redact] |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 18.585% | 18.585% | 18.585% | [Redact] | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<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 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2764.55 |  | [Redact] | ($2000.00) | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 3.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Employment Authorization | Employment Authorization |  |  |  | 13.29 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9557289 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4415.63 | $5188.31 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.985% | 33.985% | 33.985% | [Redact] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 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 | No |  | [Redact] | $4415.63 |  | [Redact] | $0.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 | 2 | 2 | 0 | 2 | 2 |  |  | 8.97 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  | 32 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 51.78 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9603527 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8216.50 | $13485.70 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.111% | 37.111% | 37.111% | [Redact] | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| 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: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| 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: 30.00000% \| 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] | $8216.50 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 21.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.49 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9603593 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1380.00 | $3242.66 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 15.241% | 15.241% | 15.241% | [Redact] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 65.00000% \| 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: 65.00000% \| 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: 65.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 65.00000% \| 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: 65.00000% \| 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: 65.00000% \| 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) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1380.00 |  | [Redact] | $33883.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 21.730% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 11.56 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9603592 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $2555.00 | $2763.20 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.914% | 33.914% | 33.914% | [Redact] | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2555.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 9 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 36.61 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9603596 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1945.00 | $3541.70 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.733% | 40.733% | 40.733% | [Redact] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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] | $1945.00 |  | [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 | 13.42 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9606066 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $35665.30 | $10693.59 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | [Redact] | [Redact] |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.333% | 36.333% | 36.333% | [Redact] | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<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]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 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] | $35665.30 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] |  |  | 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 |  |  |  |  |  |  | VISA | VISA |  |  | No | 6.16 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9606140 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $0.00 | $1326.86 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.516% | 29.516% | 29.516% | [Redact] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Vesting Schedule - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [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] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  | 32 |  |  | 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 | 227.44 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9606151 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $11252.00 | $2901.60 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.855% | 46.855% | 46.855% | [Redact] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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] | $11252.00 |  | [Redact] | $4800.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 20.970% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.85 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9606154 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $4239.78 | $6410.07 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 21.930% | 21.930% | 21.930% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4239.78 |  | [Redact] | $4250.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 63.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 56.37 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9606830 | [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] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.98 |  |  |  |  |  |  |  | [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 | 37.86 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9606825 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $9051.28 | $11122.63 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.530% | 45.530% | 45.530% | [Redact] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| 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: 25.00000% \| 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: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9051.28 |  | [Redact] | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 30.87 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9606837 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $3279.95 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed | Not Employed |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 12.377% | 12.377% | 12.377% | [Redact] | 787 | 808 | 755 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2022 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 2.2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Authorized Signor |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  | 292.28 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9606842 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $5600.00 | $5315.90 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.421% | 47.421% | 47.421% | [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]; 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 - 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] | $5600.00 |  | [Redact] | $10000.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 34.820% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.69 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9608464 | [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] | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  |  |  |  |  | [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 | 79.92 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9608458 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1597.80 | $5588.66 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.451% | 35.451% | 35.451% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 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> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1597.80 |  | [Redact] | $9000.00 | 1.1 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 40.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 32.76 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9610556 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8015.00 | $4952.92 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | Yes | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.975% | 48.975% | 48.975% | [Redact] | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8015.00 |  | [Redact] | $18500.00 | 3.2 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 62.500% | 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 |  |  |  |  |  |  |  |  |  |  |  | 41.37 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9610726 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $68640.00 | $28985.41 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 20.866% | 20.866% | 20.866% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $68640.00 |  | [Redact] | $23000.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 5.900% | 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 |  |  |  |  |  |  |  |  |  |  |  | 51.38 | Retail | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9610873 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $2788.00 | $3265.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.438% | 38.438% | 38.438% | [Redact] | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2788.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 43.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.76 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9610943 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $29980.00 | $7074.03 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.391% | 35.391% | 35.391% | [Redact] | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $29980.00 |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 47.610% | No | 33 | 31 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 32.45 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9610940 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2240.00 | $9197.72 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.531% | 44.531% | 44.531% | [Redact] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.16000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.16000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.16000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.16000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.16000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.16000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.16000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2240.00 |  | [Redact] | $0.00 | 5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 24.130% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.82 | Broker | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9610937 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $3037.12 | $3126.82 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.970% | 34.970% | 34.970% | [Redact] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3037.12 |  | [Redact] | $20000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 5.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.73 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9610938 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $17054.00 | $5084.36 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.840% | 24.840% | 24.840% | [Redact] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $17054.00 |  | [Redact] | $7500.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 41.970% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 48.46 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9611077 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6903.20 | $5200.76 |  | [Redact] | [Redact] | [Redact] | [Redact] | Yes | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.779% | 35.779% | 35.779% | [Redact] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2017 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6903.20 |  | [Redact] | $12000.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 18.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.09 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9613067 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $4354.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.483% | 29.483% | 29.483% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 117.48 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9613618 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $5750.00 | $7161.46 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | $0.00 | [Redact] | $0.00 |  |  |  |  |  | 37.739% | 33.811% | 37.739% | [Redact] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5750.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 63.730% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 59.07 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9613634 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1830.25 | $2809.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed | Self-Employed | Employed | 2.8 | 3.8 |  | US Citizen | US Citizen | US Citizen |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.986% | 43.986% | 43.986% | [Redact] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [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%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 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%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 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%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 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%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 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) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - 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%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 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%)]; P&L Statement - 2025<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 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 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%)]; P&L Statement - 2025<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 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 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%)]; P&L Statement - 2025<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 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 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) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 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 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 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 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 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) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1830.25 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | 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 |  |  |  |  |  | 233.4 |  | No | No |  | [Redact] | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9613642 | [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] | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | 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) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 29.55 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 |
| [Redact] | 9613792 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $11195.00 | $4198.94 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.294% | 35.294% | 35.294% | [Redact] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 76.000% | 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]; 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> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 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] | $11195.00 |  | [Redact] | $15322.03 | 1.9 |  |  |  | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 65.190% | No |  | 33 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 68.84 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9613842 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $2343.04 | $5839.28 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.533% | 38.533% | 38.533% | [Redact] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 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 | No |  | [Redact] | $2343.04 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 2.670% | No |  | 33 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 16.37 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9606093 | [Redact] |  | Non QM |  |  |  | Yes | No | $6795.00 | $9300.73 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.085% | 44.085% | 44.085% | [Redact] | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, Business | 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]; Account Statements - Business - 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]; CPA Letter - 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]; Expense Letter - 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]; Other - 2025<br> [Borrower - \| Non-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> [Borrower - \| Non-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> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $6795.00 |  | [Redact] | $4000.00 |  | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 10.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.75 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9606096 | [Redact] |  | Non QM |  |  |  | Yes | No | $30926.25 | $17080.56 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.544% | 38.544% | 38.544% | [Redact] | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Expense 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]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $30926.25 |  | [Redact] | $30600.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 3.980% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.41 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9606108 | [Redact] |  | Non QM |  |  |  | Yes | No | $12555.00 | $15390.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.570% | 41.570% | 41.570% | [Redact] | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 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]; Account Statements - Business - 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]; 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $12555.00 |  | [Redact] | $10000.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 17.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 6.51 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9606095 | [Redact] |  | Non QM |  |  |  | Yes | No | $14285.77 | $16197.30 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 16.032% | 16.032% | 16.032% | [Redact] | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 95.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| 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: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| 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: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $14285.77 |  | [Redact] | $23500.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 4.700% | 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 |  |  |  |  | 6.54 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9606131 | [Redact] |  | Non QM |  |  |  | Yes | No | $11671.20 | $13781.45 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.050% | 44.050% | 44.050% | [Redact] | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Account Statements - Personal - 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]; Expense 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]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $11671.20 |  | [Redact] | $30000.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 17.250% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 4.41 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9603570 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16919.83 | $14861.53 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.475% | 39.475% | 39.475% | [Redact] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $16919.83 |  | [Redact] | $0.00 | 2 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Yes | FNMA - Published after June 2020 | Yes |  | [Redact] | [Redact] | 16.630% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 8.01 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9603579 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $22766.60 | $17331.49 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.582% | 43.582% | 43.582% | [Redact] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [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 |  |  | [Redact] | $22766.60 |  | [Redact] | $0.00 | 4.2 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | FNMA - Published after June 2020 | Yes |  | [Redact] | [Redact] | 13.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.13 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9603586 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1695.00 | $5110.98 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.126% | 44.126% | 44.126% | [Redact] | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $1695.00 |  | [Redact] | $0.00 | 4.7 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 |  | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | FNMA - Published after June 2020 | Yes |  | [Redact] | [Redact] |  | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.43 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9603588 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10354.00 | $11133.16 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.134% | 45.134% | 45.134% | [Redact] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $10354.00 |  | [Redact] | $20000.00 | 1.6 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 4 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | FNMA - Published after June 2020 | Yes |  | [Redact] | [Redact] | 14.540% | No | 5 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.21 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9614920 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $10645.29 | $8773.28 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.360% | 40.360% | 40.360% | [Redact] | 653 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 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]; Account Statements - Business - 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]; 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]; 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 - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10645.29 |  | [Redact] | $15854.66 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 25.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.82 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9615017 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $310.40 | $2111.58 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.368% | 33.368% | 33.368% | [Redact] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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 - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $310.40 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 45.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 38.19 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9615313 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $2640.00 | $5976.91 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.331% | 42.331% | 42.331% | [Redact] | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2640.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 40.660% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21.88 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9615793 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1715.00 | $1528.62 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | $0.00 | [Redact] | $0.00 |  |  |  |  |  | 42.797% | 42.797% | 42.797% | [Redact] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; W-2 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; W-2 Transcript - 2023<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> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1715.00 |  | [Redact] | $308000.00 | 2.4 |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  | Other |  |  |  |  | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.23 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9615794 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1590.00 | $2393.62 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.051% | 27.051% | 27.051% | [Redact] | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1590.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 52.130% | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 71.71 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9651571 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $2929.10 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.134% | 37.134% | 37.134% | [Redact] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 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 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 | 3 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  | No | 24.28 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9651582 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $19068.50 | $23316.52 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 11.217% | 11.217% | 11.217% | [Redact] | 630 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 34.000% | 33.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 34.00% \| 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: 34.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $19068.50 |  | [Redact] | $0.00 | 2.4 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 18.08 | Retail |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9651580 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $43534.50 | $19304.55 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 26.281% | 26.281% | 26.281% | [Redact] | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 25.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 90.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 90.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 90.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 90.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 90.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $43534.50 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 32.45 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9651572 | [Redact] | [Redact] | N/A |  |  |  | No | No | $1400.00 |  |  | [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] | $1400.00 |  | [Redact] | $0.00 | 2.2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.75 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 163.97 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9606122 | [Redact] |  | Non QM |  |  |  | Yes | No | $21465.00 | $22945.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 26.506% | 26.506% | 26.506% | [Redact] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 88.000% | 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 - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $21465.00 |  | [Redact] | $35000.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 8.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.79 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9606118 | [Redact] |  | Exempt from ATR |  |  |  | No | No | $4767.00 | $2652.90 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.650% | 27.650% | 27.650% | [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]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $4767.00 |  | [Redact] | $2590.00 | 2.1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 67.420% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.75 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9652788 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $9052.58 | $10727.13 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.132% | 37.132% | 37.132% | [Redact] | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2009 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9052.58 |  | [Redact] | $0.00 | 1 |  |  |  | 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) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 44.36 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9652791 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $11195.00 | $3463.52 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.592% | 37.592% | 37.592% | [Redact] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11195.00 |  | [Redact] | $0.00 | 2 |  |  |  | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 77.800% | 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 |  |  |  |  |  |  |  |  |  |  |  | 76.83 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |  |
| [Redact] | 9652793 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $7860.76 | $8943.09 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 7.506% | 7.506% | 7.506% | [Redact] | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7860.76 |  | [Redact] | $0.00 | 2.6 | DU |  | ApproveEligible | 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) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.44 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9652905 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $11577.20 | $4767.51 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.050% | 41.050% | 41.050% | [Redact] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Account Statements - Business - 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]; CPA Letter - 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11577.20 |  | [Redact] | $0.00 | 999 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 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 | 45.84 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9652907 | [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] | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 3.9 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.72 | 0.58 |  |  |  |  |  |  |  | [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 | 49.59 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9652910 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $4878.75 | $7219.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 25.734% | 25.734% | 25.734% | [Redact] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 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]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2005 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 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] | $4878.75 |  | [Redact] | $1900.00 |  |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 62.350% | No | 33 | 12 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 53.99 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9688383 | [Redact] | [Redact] | N/A |  |  |  | No | No | $4780.00 |  |  | [Redact] | [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 | No |  | [Redact] | $4780.00 |  | [Redact] | $0.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [Redact] | $0.00 |  | 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 | 54.75 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9688972 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $5862.59 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.414% | 41.414% | 41.414% | [Redact] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [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] | $1640.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 33 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 160.68 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9689575 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $16427.50 | $17298.72 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.313% | 28.313% | 28.313% | [Redact] | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16427.50 |  | [Redact] | $6000.00 | 2.4 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 590.62 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9689603 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $19198.00 | $23308.68 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 17.130% | 17.130% | 17.130% | [Redact] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $19198.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 15.090% | 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 |  |  |  |  |  |  |  |  |  |  |  | 11.74 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9689589 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $12115.00 | $15435.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 4.834% | 4.834% | 4.834% | [Redact] | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12115.00 |  | [Redact] | $0.00 | 5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 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 | 39.24 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9689588 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1490.00 | $2265.55 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 5.798% | 5.798% | 5.798% | [Redact] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1490.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 32.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 118.51 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9689606 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $16904.00 | $5147.90 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 16.307% | 16.307% | 16.307% | [Redact] | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 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] | $16904.00 |  | [Redact] | $0.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 64.550% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.02 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9689607 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $3102.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.575% | 27.575% | 27.575% | [Redact] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 33.020% | No |  | 33 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.9 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9689604 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $4269.05 | $5906.99 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed | Not Employed |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 16.031% | 16.031% | 16.031% | [Redact] | 793 | 814 | 793 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4269.05 |  | [Redact] | $0.00 |  | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 51.220% | 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 |  |  |  |  |  |  |  |  | 178.96 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9689659 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $2690.00 | $4141.53 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.824% | 44.824% | 44.824% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; 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 | [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] | $2690.00 |  | [Redact] | $5000.00 |  | LP / LPA |  | Accept/Ineligible | No | No | [Redact] | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 46.160% | No |  | 33 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 35.42 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9689668 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 777 | 795 | 800 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.1 |  |  |  | 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 | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 70.26 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9689665 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 777 | 795 | 800 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.7 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 50.11 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9606105 | [Redact] |  | Non QM |  |  |  | Yes | No | $6434.50 | $7302.10 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.035% | 33.035% | 33.035% | [Redact] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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<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 - 2018 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $6434.50 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 40.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.17 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9896318 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $5570.68 | $6615.70 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 16.555% | 16.555% | 16.555% | [Redact] | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| 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: 50.00% \| Expense Ratio: 30.00000% \| 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5570.68 |  | [Redact] | $0.00 | 3 |  |  |  | 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 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.12 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9693365 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1790.00 | $2552.73 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed | Employed |  | 14.96 |  |  | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.095% | 24.095% | 24.095% | [Redact] | 775 | 766 | 730 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| 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 | [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1790.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  | 33 |  | 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 |  |  |  |  |  |  |  | Yes | 107.58 |  | No | No |  | [Redact] | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 |
| [Redact] | 9693366 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1790.00 | $2516.54 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.338% | 27.338% | 27.338% | [Redact] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2012<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 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%)]; Third Party Verification - 2015<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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 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 | No |  | [Redact] | $1790.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 2 | 2 |  |  | 8.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  | 33 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 784 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 |
| [Redact] | 9693378 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1390.00 | $2806.12 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.832% | 44.832% | 44.832% | [Redact] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1390.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.99 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 9 |
| [Redact] | 9693381 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $18840.00 | $3146.70 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.887% | 39.887% | 39.887% | [Redact] | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $18840.00 |  | [Redact] | $0.00 | 1.1 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 33 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 89.39 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| [Redact] | 9693427 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $4449.63 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 19.901% | 16.746% | 23.930% | [Redact] | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; 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 - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 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]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 0 | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  | 240 | [Redact] | [Redact] |  | No | 34 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 54.03 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9693585 | [Redact] | [Redact] | N/A |  |  |  | No | No | $880.00 |  |  | [Redact] | [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] | $880.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 282.31 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9693581 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $10690.00 | $1767.88 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.841% | 49.841% | 49.841% | [Redact] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; Military VOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Rations]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Leave and Earnings Statement (LES) - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10690.00 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 36.250% | No | 1 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.02 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9693843 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $10690.00 | $1767.88 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.855% | 49.855% | 49.855% | [Redact] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Non-Primary Income - Rations]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Non-Primary Income - Flight / Hazard Pay]; Leave and Earnings Statement (LES) - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10690.00 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 46.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.05 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9693856 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $11457.00 | $5623.31 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 8.687% | 8.687% | 8.687% | [Redact] | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 7.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 7.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 7.00000% \| Expense Ratio Source: CPA Letter \| # 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] | $11457.00 |  | [Redact] | $0.00 | 2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 72.11 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9693859 | [Redact] | [Redact] | N/A |  |  |  | No | No | $760.00 |  |  | [Redact] | [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] | $760.00 |  | [Redact] | $5119.77 | 2.9 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.65 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 343.63 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9693946 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2313.04 | $4249.40 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.616% | 39.616% | 39.616% | [Redact] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| 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]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 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] | $2313.04 |  | [Redact] | $0.00 | 1.2 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 8.97 | 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 |  |  |  |  |  |  |  |  |  |  |  | 18.38 |  |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9694012 | [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] | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | [Redact] | [Redact] | 4.690% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 249.52 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9694501 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $26925.14 | $30058.84 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.481% | 45.481% | 45.481% | [Redact] | 645 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<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] | $26925.14 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 62.160% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.66 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9694502 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $7107.00 | $9867.05 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 8.991% | 8.991% | 8.991% | [Redact] | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7107.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 8.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 163.58 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9694519 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $30251.60 | $20350.85 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 21.592% | 21.592% | 21.592% | [Redact] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $30251.60 |  | [Redact] | $0.00 | 3.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 8.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.77 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9694518 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $27096.43 | $23739.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.208% | 28.208% | 28.208% | [Redact] | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $27096.43 |  | [Redact] | $65000.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 2.810% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.85 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9694521 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | [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 | 5.51 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9694619 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.65 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 68.78 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9694658 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $3165.50 | $4914.70 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 13.138% | 13.138% | 13.138% | [Redact] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| 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> [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 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3165.50 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | Yes | 1754.6 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9694748 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $5074.22 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed | Employed |  | 7.68 |  |  | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.649% | 40.649% | 40.649% | [Redact] | 784 | 784 | 802 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 1 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 35.940% | No |  |  | 11 |  | 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 |  |  |  |  |  |  |  |  | 8.17 |  | No | No |  | [Redact] | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9694750 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1560.00 | $2896.40 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.673% | 38.673% | 38.673% | [Redact] | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2023<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2024<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; 1099-R - 2023<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2023<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 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] | $1560.00 |  | [Redact] | $0.00 | 2.7 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [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 |  |  |  |  |  |  |  |  |  |  |  | 16.23 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9694756 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $20386.62 | $4359.94 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 16.343% | 16.343% | 16.343% | [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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $20386.62 |  | [Redact] | $590.00 | 2.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 45.540% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 8.39 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9694755 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $36844.20 | $24677.70 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.113% | 38.113% | 38.113% | [Redact] | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 51.000% | 49.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| 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: 51.00% \| 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: 51.00% \| 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: 51.00% \| 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: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| 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: 51.00% \| 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: 51.00% \| 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: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 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]; Third Party Verification - 2020<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2020<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2020<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2020<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2020<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2020 | [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] | $36844.20 |  | [Redact] | $15000.00 | 2.9 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 11.490% | 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 |  |  |  |  |  |  |  |  |  |  |  | 11.13 |  |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9694754 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $5932.12 | $13015.78 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 4.175% | 4.175% | 4.175% | [Redact] | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5932.12 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 97.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 103.46 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9694781 | [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] | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | [Redact] | [Redact] | 70.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.19 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9697628 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $9557.75 | $2639.07 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 26.433% | 26.433% | 26.433% | [Redact] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9557.75 |  | [Redact] | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 461.91 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9697668 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $42705.24 | $9336.36 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 16.277% | 16.277% | 16.277% | [Redact] | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 50.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| 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: 50.00% \| 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: 50.00% \| 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: 50.00% \| 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: 50.00% \| 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: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $42705.24 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 126.09 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9697763 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1575.00 | $4037.20 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.393% | 27.393% | 27.393% | [Redact] | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1575.00 |  | [Redact] | $0.00 | 4.2 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 82.220% | No |  | 33 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 92.63 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9697764 | [Redact] | [Redact] | N/A |  |  |  | No | No | $1050.00 |  |  | [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 | No |  | [Redact] | $1050.00 |  | [Redact] | $0.00 | 4.3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | [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 | 91.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9697869 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $8000.00 | $5506.85 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.392% | 34.392% | 34.392% | [Redact] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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] | $8000.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 68.970% | 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 |  |  |  |  |  |  |  |  |  |  |  | 72.27 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9697873 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $13606.85 | $17855.58 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.565% | 40.565% | 40.565% | [Redact] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 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: 24]; Account Statements - Business - 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: 24]; CPA Letter - 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: 24]; Expense Letter - 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: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13606.85 |  | [Redact] | $10000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 3.880% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 9.25 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9697866 | [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] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | [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 | 49.91 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9697870 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $3029.38 | $4448.93 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Not Employed | Employed |  | 1.52 |  |  | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 26.191% | 26.191% | 26.191% | [Redact] | 796 | 796 | 829 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; VVOE - 2025 | [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3029.38 |  | [Redact] | $3900.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  | 17 |  | 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 |  |  |  |  |  |  |  |  | 247.47 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9697971 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $2385.00 | $2990.88 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.074% | 37.074% | 37.074% | [Redact] | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Pension]; Other - 2025<br> [Borrower - \| Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Primary Income - Pension]; 1099-R - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2385.00 |  | [Redact] | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 16.03 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9697982 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $11966.40 | $15647.91 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.403% | 36.403% | 36.403% | [Redact] | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11966.40 |  | [Redact] | $0.00 | 4.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 24.360% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.6 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9697979 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8986.56 | $7201.70 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.076% | 47.076% | 47.076% | [Redact] | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 38.40000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 38.40000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 38.40000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 38.40000% \| Expense Ratio Source: Third Party Verification \| # 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] | $8986.56 |  | [Redact] | $33000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 10.650% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 6.58 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9698158 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1990.00 | $3802.02 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.038% | 47.038% | 47.038% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1990.00 |  | [Redact] | $1500.00 | 2.3 |  |  |  | N/A | No | [Redact] | 2 | 1 | 2 | 0 | 0 | 2 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 34 | 33 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 20.44 |  | No | No |  | [Redact] | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9698160 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $21085.88 | $24199.79 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.120% | 39.120% | 39.120% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| 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: 28.00000% \| 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: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # 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] | $21085.88 |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [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 | 45.38 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9698161 | [Redact] | [Redact] | N/A |  |  |  | No | No | $10050.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10050.00 |  | [Redact] | $2084.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  |  |  |  |  | [Redact] | [Redact] | 98.550% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 106.9 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9698189 | [Redact] | [Redact] | N/A |  |  |  | No | No | $5246.25 |  |  | [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] | $5246.25 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 218.74 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 10 |
| [Redact] | 9698191 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $3930.00 | $5388.64 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 19.112% | 19.112% | 19.112% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [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]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 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]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3930.00 |  | [Redact] | $0.00 | 5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 8.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 33.850% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.83 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9698192 | [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] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $5000.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 271.71 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9698250 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $10389.50 | $8554.34 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 11.545% | 11.545% | 11.545% | [Redact] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Account Statements - Business - 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]; 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]; Third Party Verification - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10389.50 |  | [Redact] | $3703.23 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 16.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 34.02 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9698792 | [Redact] | [Redact] | N/A |  |  |  | No | No | $5302.50 |  |  | [Redact] | [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 | No |  | [Redact] | $5302.50 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | [Redact] | [Redact] | 28.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 52.64 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9698793 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4355.60 | $6468.36 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.842% | 27.842% | 27.842% | [Redact] | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [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 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4355.60 |  | [Redact] | $0.00 | 3.5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 715.63 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9698794 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $5940.00 | $5021.69 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.419% | 44.419% | 44.419% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [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] | $5940.00 |  | [Redact] | $0.00 |  | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  | 33 |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 37.85 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9731877 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $0.00 | $2033.31 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.810% | 34.810% | 34.810% | [Redact] | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 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 | 10.78 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9731871 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $7195.00 | $8582.13 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.279% | 27.279% | 27.279% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7195.00 |  | [Redact] | $0.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 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 | 82.73 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9731878 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $14912.00 | $8605.77 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.557% | 33.557% | 33.557% | [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]; 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]; 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] | $14912.00 |  | [Redact] | $0.00 | 4.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 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 | 6.15 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9731872 | [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] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.01 | 0.99 |  |  |  |  |  |  |  | [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 | 71.76 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9499993 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.85 | 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 | 21.2 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 |
| [Redact] | 9499994 | [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 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | [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 | 80.44 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 16 |
| [Redact] | 9499995 | [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 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.72 |  |  |  |  |  |  |  | [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 | 262.61 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 13 |
| [Redact] | 9499998 | [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 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.55 | 0.64 |  |  |  |  |  |  |  | [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 | 280.54 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| [Redact] | 9499999 | [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 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.71 | 0.58 |  |  |  |  |  |  |  | [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 | 309.37 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 11 |
| [Redact] | 9500001 | [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 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  |  | [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 | 245.5 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9500006 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [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 | 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 | 37.66 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9500014 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 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 | 9.39 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9500017 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 14.88 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9500029 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.64 | 0.61 |  |  |  |  |  |  |  | [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 | 44.98 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9500035 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.98 | 0.51 |  |  |  |  |  |  |  | [Redact] | [Redact] | 56.160% | 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 |  |  |  |  |  |  |  |  |  |  |  | 32.91 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9500050 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | 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 | 1.53 | 0.65 |  |  |  |  |  |  | 240 | [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 |  |  |  |  | No | 231.63 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9500051 | [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 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  | 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 | 63.15 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9500052 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.95 | 0.51 |  |  |  |  |  |  |  | [Redact] | [Redact] | 29.370% | 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 |  |  |  |  |  |  |  |  | 36.75 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| [Redact] | 9500058 | [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] | 42.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta |  |  |  |  |  |  |  |  |  |  |  |  | 23.65 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9500059 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 0.71 |  |  |  |  |  |  |  | [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 | 54.84 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9500060 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | 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 | 1.49 | 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 | 50.95 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9500062 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | [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 | 24.33 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 |
| [Redact] | 9500065 | [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 | 1.28 | 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 | 341.01 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 45 |
| [Redact] | 9500069 | [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 | 1.27 | 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 | 334.02 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 49 |
| [Redact] | 9500070 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [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] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  |  | [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 | 276.09 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9500071 | [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 |  |  |  |  | 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 | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 175.6 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
| [Redact] | 9500072 | [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] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.38 | 0.72 |  |  |  |  |  |  |  | [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 |  |  |  |  |  |  |  |  | 402.12 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9500073 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [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] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 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 | 13.8 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 4 |
| [Redact] | 9500075 | [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 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.91 | 0.52 |  |  |  |  |  |  |  | [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 | 9.07 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9500076 | [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 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | [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 | 50.24 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 10 |
| [Redact] | 9500078 | [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 | 1.09 | 0.92 |  |  |  |  |  |  | 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 | 229.71 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 52 |
| [Redact] | 9500080 | [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 | 1.65 | 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 | 98.85 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 |
| [Redact] | 9500085 | [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] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.21 | 0.82 |  |  |  |  |  |  |  | [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 | 49.08 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9500086 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | [Redact] |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | 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 | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 208.32 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 6 |
| [Redact] | 9500088 | [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 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.57 | 0.64 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.670% | 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 |  |  |  |  |  |  |  |  |  |  |  | 177.46 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 |
| [Redact] | 9500090 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [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 | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] | 44.730% | 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 |  |  |  |  |  |  |  |  |  |  |  | 25.72 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9500092 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | [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 | 51.19 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 4 |
| [Redact] | 9500095 | [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] | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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] | 31.400% | 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 |  |  |  |  |  |  |  |  |  |  |  | 7.66 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9500096 | [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 | 1.46 | 0.68 |  |  |  |  |  |  |  | [Redact] | [Redact] | 2.520% | 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 |  |  |  |  |  |  |  |  |  |  |  | 413.76 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9500097 | [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 | 1.3 | 0.77 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 177.26 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9500099 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [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 |  |  | 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 | 105.94 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 10 |
| [Redact] | 9500102 | [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 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  | 240 | [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 | 6.9 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9500104 | [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] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.39 | 0.72 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | LLC | Guarantor - Business Entity |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 21.73 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9500105 | [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] | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.07 | 0.93 |  |  |  |  |  |  |  | [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 | 65.92 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9500106 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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] | 6.200% | 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 |  |  |  |  |  |  |  |  |  |  |  | 8.16 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9500107 | [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 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | [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 | 428.92 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 30 |
| [Redact] | 9500108 | [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 | 1.25 | 0.8 |  |  |  |  |  |  |  | [Redact] | [Redact] | 2.730% | 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 |  |  |  |  |  |  |  |  |  |  |  | 7.01 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9500111 | [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 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 | 1.22 | 0.82 |  |  |  |  |  |  |  | [Redact] | [Redact] | 17.170% | 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 |  |  |  |  |  |  |  |  | 17.95 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9500114 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | 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 | 1.5 | 0.66 |  |  |  |  |  |  |  | [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 | 114.01 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9500115 | [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] | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 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 | 24.62 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9500116 | [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] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.05 | 0.95 |  |  |  |  |  |  |  | [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 | 56.46 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9500117 | [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 | 1.19 | 0.84 |  |  |  |  |  |  |  | [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 | 43.31 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| [Redact] | 9500119 | [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 | 1.05 | 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 | 24.16 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 12 |
| [Redact] | 9500121 | [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 | 1.22 | 0.82 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 76.28 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9500123 | [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 | 1.18 | 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 | 190.98 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9500124 | [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 |  |  |  |  | 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 | 72.5 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 |
| [Redact] | 9500125 | [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 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 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 | 79.95 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 9 |
| [Redact] | 9606114 | [Redact] |  | Non QM |  |  |  | Yes | No | $12060.00 | $9222.97 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.915% | 30.915% | 30.915% | [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]; 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $12060.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 19.080% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.09 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9732142 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $13376.32 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.222% | 48.222% | 48.222% | [Redact] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; 1065 - 2022<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2022<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%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - 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<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 2.9 |  |  |  | N/A | No | [Redact] | 2 | 0 | 2 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 62.170% | No | 32 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 60.07 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9732149 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $5933.45 | $9315.94 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.165% | 45.165% | 45.165% | [Redact] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5933.45 |  | [Redact] | $4000.00 |  | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 1 | 2 | 0 | 2 | 2 |  |  | 8.97 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 33.450% | No |  | 12 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.57 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9732146 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $16195.00 | $3408.67 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 12.466% | 12.466% | 12.466% | [Redact] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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] | $16195.00 |  | [Redact] | $0.00 |  |  |  |  | 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 | 97.29 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9862062 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $25052.50 | $6271.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.092% | 40.092% | 40.092% | [Redact] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 6.50000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 6.50000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 6.50000% \| 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: 6.50000% \| 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: 6.50000% \| 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: 6.50000% \| 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: 6.50000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $25052.50 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 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 | 71.57 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9698050 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1950.00 | $12509.73 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.784% | 42.784% | 42.784% | [Redact] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $1950.00 |  | [Redact] | $29000.00 | 1.1 | LP / LPA |  | Accept/Ineligible | Yes | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | FHLMC - Published after June 2020 | Yes |  | [Redact] | [Redact] | 19.980% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 9.7 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9698057 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2395.00 | $18970.06 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.640% | 39.640% | 39.640% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $2395.00 |  | [Redact] | $12000.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | FNMA - Published after June 2020 | Yes |  | [Redact] | [Redact] | 17.350% | No | 20 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.04 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9732726 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $22815.00 | $5516.85 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 12.329% | 12.329% | 12.329% | [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]; 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $22815.00 |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 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 | 126.18 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9732719 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $3200.00 | $4157.25 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 8.552% | 8.552% | 8.552% | [Redact] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 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<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 - 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]; 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]; Third Party Verification - 2025 | [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] | $3200.00 |  | [Redact] | $0.00 | 2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 61.230% | 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 |  |  |  |  |  |  |  |  |  |  |  | 72.57 | Retail | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9733846 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $10687.80 | $13583.07 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 25.739% | 25.739% | 25.739% | [Redact] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| 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: 26.00000% \| 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: 26.00000% \| 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: 26.00000% \| 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: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| 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: 26.00000% \| 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: 26.00000% \| Expense Ratio Source: CPA Letter \| # 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] | $10687.80 |  | [Redact] | $0.00 | 1.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 22.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.44 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9733847 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $15574.75 | $3781.68 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.519% | 47.519% | 47.519% | [Redact] | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: CPA Letter \| # 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: CPA Letter \| # 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: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| 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: 10.00000% \| 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: 10.00000% \| Expense Ratio Source: CPA Letter \| # 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] | $28516.52 |  | [Redact] | $17430.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 17.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.25 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9733849 | [Redact] | [Redact] | N/A |  |  |  | No | No | $3230.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3230.00 |  | [Redact] | $0.00 | 4 |  |  |  | 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 | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | Yes | 12.85 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9734304 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $25445.60 | $9510.03 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 13.069% | 13.069% | 13.069% | [Redact] | 628 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $25445.60 |  | [Redact] | $180000.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 18.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.1 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9734307 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $11031.97 | $12571.61 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.356% | 42.356% | 42.356% | [Redact] | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # 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] | $11031.97 |  | [Redact] | $2000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 16.240% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.83 | Broker |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9735211 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $3418.77 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed | Self-Employed |  | 4.83 |  |  | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.805% | 38.805% | 38.805% | [Redact] | 779 | 765 | 779 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Vesting Schedule - 2025<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 - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 3 |  |  |  | N/A | No | [Redact] | 0 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 45.720% | No |  | 31 |  |  | 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 |  |  |  |  |  |  |  |  | 46.7 |  | No | No |  | [Redact] | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9610758 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.76 | 0.57 |  |  |  |  |  |  |  | [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 | 14.37 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9735216 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1765.00 | $3829.28 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.939% | 38.939% | 38.939% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1765.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 234.3 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9735279 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $11973.55 | $15419.36 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 25.645% | 25.645% | 25.645% | [Redact] | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.10000% \| 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: 20.10000% \| 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: 20.10000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.10000% \| Expense Ratio Source: CPA Letter \| # 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] | $11973.55 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.370% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.1 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9735277 | [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] | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 69.58 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 |
| [Redact] | 9768629 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $7987.42 | $10430.37 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 18.787% | 18.787% | 18.787% | [Redact] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7987.42 |  | [Redact] | $9087.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 0.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 8.18 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9769238 | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $40320.97 | $35363.28 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.705% | 36.705% | 36.705% | [Redact] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $40320.97 |  | [Redact] | $0.00 | 999 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 22.560% | 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 |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 32.56 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9769303 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $30884.40 | $9917.30 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 18.292% | 18.292% | 18.292% | [Redact] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 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] | $30884.40 |  | [Redact] | $0.00 | 1.4 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 51.360% | No | 33 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 44.45 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9769348 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $5935.80 | $3849.88 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 26.964% | 26.964% | 26.964% | [Redact] | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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] | $5935.80 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 56.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 48.5 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9769349 | [Redact] | [Redact] | N/A |  |  |  | No | No | $6020.00 |  |  | [Redact] | [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] | $6020.00 |  | [Redact] | $140450.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.11 |  |  |  |  |  |  |  | [Redact] | [Redact] | 2.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.33 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9769477 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $17440.84 | $11400.64 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.098% | 42.098% | 42.098% | [Redact] | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $17440.84 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 62.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.83 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9769475 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $707.60 | $2753.84 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.495% | 45.495% | 45.495% | [Redact] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Expense 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]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $707.60 |  | [Redact] | $0.00 | 4.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.46 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9606106 | [Redact] |  | Non QM |  |  |  | Yes | No | $40147.06 | $18610.86 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 18.634% | 18.634% | 18.634% | [Redact] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $40147.06 |  | [Redact] | $850.00 | 3.6 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [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 |  |  |  |  |  |  |  |  |  |  |  | 268.89 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9802884 | [Redact] | [Redact] | N/A |  |  |  | No | No | $824.00 |  |  | [Redact] | [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] | $824.00 |  | [Redact] | $0.00 | 2.7 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 279.13 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9802895 | [Redact] | [Redact] | N/A |  |  |  | No | No | $9217.50 |  |  | [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] | $9217.50 |  | [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 | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 18.97 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9802896 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $8260.00 | $4086.12 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 25.357% | 25.357% | 25.357% | [Redact] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8260.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 61.83 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9802886 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $15277.75 | $18327.63 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.279% | 38.279% | 38.279% | [Redact] | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: CPA Letter \| # 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: CPA Letter \| # 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: CPA Letter \| # 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: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # 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] | $15277.75 |  | [Redact] | $3500.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 29.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.33 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9804480 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $100088.60 | $70591.28 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.498% | 37.498% | 37.498% | [Redact] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $100088.60 |  | [Redact] | $0.00 | 4.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 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 | 10.01 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9804481 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $7871.80 | $3095.55 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.921% | 47.921% | 47.921% | [Redact] | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025 | [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] | $7871.80 |  | [Redact] | $5000.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 7.570% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.85 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9804557 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $10240.00 | $2924.30 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.857% | 27.857% | 27.857% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10240.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 2 | 0 | 2 | 2 |  |  |  | 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 | 24.49 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9804821 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $7601.65 | $3638.94 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.603% | 32.603% | 32.603% | [Redact] | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| 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: 25.00000% \| 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: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| 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] | $7601.65 |  | [Redact] | $0.00 | 1.6 |  |  |  | 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 | 10.33 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9804819 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $12877.50 | $1772.19 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.844% | 43.844% | 43.844% | [Redact] | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Account Statements - Business - 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]; 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]; Third Party Verification - 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12877.50 |  | [Redact] | $77700.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 10.440% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.61 | Broker |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9805202 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $7046.81 | $9753.93 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 17.344% | 17.344% | 17.344% | [Redact] | 642 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Account Statements - Business - 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]; 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]; Third Party Verification - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7046.81 |  | [Redact] | $27000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 6.800% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.89 |  |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9805206 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $21195.00 | $34214.02 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.821% | 40.821% | 40.821% | [Redact] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # 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] | $21195.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 25.620% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.67 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9805201 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $21195.00 | $24936.54 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.724% | 24.724% | 24.724% | [Redact] | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<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) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $21195.00 |  | [Redact] | $5000.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 3.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.9 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9805207 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $0.00 | $99.70 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.037% | 30.037% | 30.037% | [Redact] | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [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 Transcript - 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 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 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] |  |  | [Redact] | $0.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 | 3 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 10 | 34 |  |  | 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 | 7.11 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9805315 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $4304.00 | $7262.33 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.581% | 29.581% | 29.581% | [Redact] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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] | $4304.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 80.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 85.29 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| [Redact] | 9805437 | [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] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.67 | 0.6 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 174.44 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9805433 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.98 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | 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 | 21.24 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9805436 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $3945.00 | $5028.29 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.331% | 42.331% | 42.331% | [Redact] | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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] | $3945.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 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 | 9.72 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9805443 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $32160.00 | $5583.29 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.653% | 34.653% | 34.653% | [Redact] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | 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]; Account Statements - Business - 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]; 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]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<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]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $32160.00 |  | [Redact] | $0.00 | 3.2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 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 |  |  |  |  |  |  |  |  |  |  | No | 78.01 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9805441 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $16195.00 | $4706.24 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 7.818% | 7.818% | 7.818% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 79.250% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 79.25% \| 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: 79.25% \| 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: 79.25% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 79.25% \| 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] | $16195.00 |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 38.510% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.03 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9805447 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $10474.88 | $12229.23 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.387% | 38.387% | 38.387% | [Redact] | 650 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 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]; Account Statements - Business - 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]; 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]; 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10474.88 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 35 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9805446 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1890.00 | $2026.76 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 31.334% | 31.334% | 31.334% | [Redact] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1890.00 |  | [Redact] | $0.00 |  | DU |  | ApproveEligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 171.23 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9805614 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $24630.00 | $4279.08 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.300% | 28.300% | 28.300% | [Redact] | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $24630.00 |  | [Redact] | $0.00 | 2.5 |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 75.680% | No | 34 | 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 |  |  |  |  |  |  |  |  |  |  |  | 75.2 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9805920 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $5350.00 | $6325.34 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.881% | 42.881% | 42.881% | [Redact] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5350.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 0 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  | 34 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 157.32 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9805925 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $3999.80 | $5440.22 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.871% | 41.871% | 41.871% | [Redact] | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Non-Primary Income - Rations]; Leave and Earnings Statement (LES) - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3999.80 |  | [Redact] | $0.00 | 1.7 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 39.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.45 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9807836 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $9690.04 | $10419.49 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.913% | 44.913% | 44.913% | [Redact] | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9690.04 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 39.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.12 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9807902 | [Redact] | [Redact] | N/A |  |  |  | No | No | $1215.00 |  |  | [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] | $1215.00 |  | [Redact] | $0.00 | 1.9 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | [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 | 58.41 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9808465 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1675.00 | $2607.32 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.523% | 29.523% | 29.523% | [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]; 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]; 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 - 2019<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 - 2019 | [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 - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1675.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 18.720% | 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 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 214.31 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9808467 | [Redact] | [Redact] | N/A |  |  |  | No | No | $735.00 |  |  | [Redact] | [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] | $735.00 |  | [Redact] | $0.00 | 1.5 |  |  |  | N/A | 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 | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 85.87 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9808711 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6061.80 | $10752.68 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 6.555% | 6.555% | 6.555% | [Redact] | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 2012<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 - 2009 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6061.80 |  | [Redact] | $1000.00 | 2.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 47.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.47 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9808763 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $14353.85 | $8520.88 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | Yes | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 9.578% | 9.578% | 9.578% | [Redact] | 659 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Account Statements - Business - 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]; 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]; Third Party Verification - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14353.85 |  | [Redact] | $15000.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 25.620% | 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 |  |  |  |  |  |  |  |  |  |  |  | 20.17 |  |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9808764 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4890.00 | $7946.63 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.472% | 30.472% | 30.472% | [Redact] | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 2020<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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4890.00 |  | [Redact] | $0.00 | 2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.16 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9808768 | [Redact] | [Redact] | N/A |  |  |  | No | No | $3128.10 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3128.10 |  | [Redact] | $0.00 | 2.5 |  |  |  | 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 | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 90.49 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 |
| [Redact] | 9808767 | [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] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.2 |  |  |  |  |  |  |  | [Redact] | [Redact] | 44.670% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.16 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9768738 | [Redact] |  | Non QM |  |  |  | Yes | No | $17135.00 | $20975.40 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 16.839% | 16.839% | 16.839% | [Redact] | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2021 | [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] | $17135.00 |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 32.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.27 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9768772 | [Redact] |  | Non QM |  |  |  | Yes | No | $15966.40 | $6277.65 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.836% | 24.836% | 24.836% | [Redact] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $15966.40 |  | [Redact] | $0.00 | 1.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 43.110% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.45 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9768780 | [Redact] |  | Non QM |  |  |  | Yes | No | $17903.56 | $10402.95 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.660% | 36.660% | 36.660% | [Redact] | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2025<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 - 2025<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 - 2025<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 - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $17903.56 |  | [Redact] | $7179.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 20.830% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.17 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9768775 | [Redact] |  | Non QM |  |  |  | Yes | No | $66832.50 | $31646.94 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 7.209% | 7.076% | 7.209% | [Redact] | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $66832.50 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 59.4 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9768731 | [Redact] |  | Non QM |  |  |  | Yes | No | $2657.11 | $5177.27 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.565% | 43.565% | 43.565% | [Redact] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 82.000% | 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]; 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 - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $2657.11 |  | [Redact] | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 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 |  |  |  |  |  |  |  |  |  |  | No | 3.77 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9768743 | [Redact] |  | Non QM |  |  |  | Yes | No | $6233.08 | $2995.42 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 12.328% | 12.328% | 12.328% | [Redact] | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 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]; 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]; 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]; 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]; 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]; 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]; 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]; 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]; 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]; 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 - 2012<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 - 2012 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $6233.08 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 104.33 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9768754 | [Redact] |  | Non QM |  |  |  | Yes | No | $20170.00 | $30839.06 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.357% | 45.357% | 45.357% | [Redact] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; 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: 24]; 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: 24]; 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: 24]; Third Party Verification - 2017 |  | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $20170.00 |  | [Redact] | $30308.00 | 3.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 | 0.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.3 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9768766 | [Redact] |  | Non QM |  |  |  | Yes | No | $8185.00 | $11109.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 5.111% | 5.111% | 5.111% | [Redact] | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $8185.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 22.120% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.17 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9768739 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 642 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 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 | 15.05 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9768751 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.14 |  |  |  |  |  |  |  | [Redact] | [Redact] | 25.030% | No |  |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 17.78 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9768733 | [Redact] |  | N/A |  |  |  | No | No | $20300.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 651 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $20300.00 |  | [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 | 33.32 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9768763 | [Redact] |  | N/A |  |  |  | No | No | $14062.50 |  |  | [Redact] | [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] | $14062.50 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 122.95 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 12 |
| [Redact] | 9768777 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.62 | 0.62 |  |  |  |  |  |  |  | [Redact] | [Redact] | 71.670% | 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 |  |  |  |  |  |  |  |  |  |  |  | 60.81 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9808946 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8195.00 | $8700.07 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 8.323% | 8.323% | 8.323% | [Redact] | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8195.00 |  | [Redact] | $0.00 | 2.8 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 33.59 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9809166 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $22514.65 | $30414.88 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.454% | 49.454% | 49.454% | [Redact] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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] | $22514.65 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.25 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9809165 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $3643.00 | ($300.00) |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 8.600% | 8.600% | 8.600% | [Redact] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3643.00 |  | [Redact] | $167474.69 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.16 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9809513 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1495.00 | $2245.16 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.982% | 46.982% | 46.982% | [Redact] | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 97.000% | 100.000% |  |  | [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 - 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]; CPA Letter - 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]; 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 - 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<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 - 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]; CPA Letter - 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]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1495.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 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 | 15.72 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9809509 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $3050.00 | $3760.33 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 20.595% | 20.595% | 20.595% | [Redact] | 643 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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] | $3050.00 |  | [Redact] | $0.00 | 3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 94.81 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9809641 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $4708.13 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.029% | 33.029% | 33.029% | [Redact] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $4000.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 85.570% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 77.3 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9809918 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1490.00 | $6906.57 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.052% | 24.052% | 24.052% | [Redact] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1490.00 |  | [Redact] | $0.00 | 3.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 635.25 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9809938 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1595.00 | $2691.06 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.734% | 24.734% | 24.734% | [Redact] | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 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] | $1595.00 |  | [Redact] | $0.00 | 4.8 |  |  |  | N/A | No | [Redact] | 3 |  | 0 | 0 | 3 | 0 |  |  | 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 | 24.3 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9810046 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $11293.39 | $5538.17 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.157% | 45.157% | 45.157% | [Redact] | 632 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 46.000% |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [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] | $11293.39 |  | [Redact] | $0.00 | 1.7 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 37.34 |  |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9810051 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $3569.00 | $4083.91 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 31.639% | 31.639% | 31.639% | [Redact] | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Expense 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]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3569.00 |  | [Redact] | $2000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 87.34 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9810050 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.24 |  |  |  |  |  |  |  | [Redact] | [Redact] | 38.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.52 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9810294 | [Redact] | [Redact] | N/A |  |  |  | No | No | $97500.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $97500.00 |  | [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 | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 53.35 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9810295 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $12714.00 | $3058.97 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 22.274% | 22.274% | 22.274% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; 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 | [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] | $12714.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  | 33 |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 37.02 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |  |
| [Redact] | 9844301 | [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] | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | 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 | 87.39 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
| [Redact] | 9844717 | [Redact] | [Redact] | N/A |  |  |  | No | No | $720.00 |  |  | [Redact] | [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] | $720.00 |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 254.81 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9844719 | [Redact] | [Redact] | N/A |  |  |  | No | No | $1012.00 |  |  | [Redact] | [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] | $1012.00 |  | [Redact] | $0.00 | 5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.61 | 0.62 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 141.05 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9844724 | [Redact] | [Redact] | N/A |  |  |  | No | No | $852.00 |  |  | [Redact] | [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] | $852.00 |  | [Redact] | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.64 | 0.61 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 259.71 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9844725 | [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] | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.87 | 0.53 |  |  |  |  |  |  |  | [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 | 87.28 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9844723 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2350.00 | $8589.53 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.394% | 24.394% | 24.394% | [Redact] | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Account Statements - Business - 2024 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2350.00 |  | [Redact] | $210000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 10.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.82 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9844958 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $2256.25 | $7034.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.084% | 34.084% | 34.084% | [Redact] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2256.25 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 52.110% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 35.18 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 12 |
| [Redact] | 9845302 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $4261.88 | $4898.68 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 6.570% | 6.570% | 6.570% | [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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4261.88 |  | [Redact] | $0.00 | 2.8 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 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 | 12.38 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9845303 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $12065.00 | $2581.99 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.206% | 44.206% | 44.206% | [Redact] | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% | 49.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| 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: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 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]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024 | [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] | $12065.00 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 20.25 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9845304 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $29957.50 | $1192.73 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 31.684% | 31.684% | 31.684% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $29957.50 |  | [Redact] | $0.00 | 3.8 |  |  |  | N/A | No | [Redact] | 0 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 74.09 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| [Redact] | 9845832 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $35627.50 | $3062.10 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.302% | 41.302% | 41.302% | [Redact] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $35627.50 |  | [Redact] | $0.00 | 2.3 |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 36.090% | No | 10 | 33 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.13 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| [Redact] | 9845836 | [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] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.9 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 16.43 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9845892 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6385.00 | $9759.16 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 25.960% | 25.960% | 25.960% | [Redact] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<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] | $6385.00 |  | [Redact] | $12250.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 2.900% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 65.67 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9845893 | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $57124.50 | $75568.61 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 31.534% | 31.534% | 31.534% | [Redact] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $57124.50 |  | [Redact] | $47000.00 | 2.6 | LP / LPA |  | Accept/Ineligible | N/A | No | [Redact] | 2 | 2 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 15.110% | 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 |  |  |  |  |  |  |  |  |  |  |  | 118.72 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9768749 | [Redact] |  | Non QM |  |  |  | Yes | No | $15462.84 | $8201.59 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.478% | 48.478% | 48.478% | [Redact] | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 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 | [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 |  |  | [Redact] | $15462.84 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 12 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.52 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9768752 | [Redact] |  | Non QM |  |  |  | Yes | No | $11671.00 | $16702.25 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 26.104% | 26.104% | 26.104% | [Redact] | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 99.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| 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: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $11671.00 |  | [Redact] | $250000.00 |  | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 0.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.26 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9768740 | [Redact] |  | Non QM |  |  |  | Yes | No | $15915.00 | $18406.17 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.831% | 33.831% | 33.831% | [Redact] | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 30.000% | 70.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| 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: 30.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025 | [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 |  |  | [Redact] | $15915.00 |  | [Redact] | $0.00 | 2.6 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 6.66 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9768769 | [Redact] |  | Non QM |  |  |  | Yes | No | $8429.06 | $11132.77 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 12.710% | 12.710% | 12.710% | [Redact] | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $8429.06 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | 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 | 3.16 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9768746 | [Redact] |  | N/A |  |  |  | No | No | $8436.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $8436.00 |  | [Redact] | $7400.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.080% | 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 |  |  |  |  |  |  |  |  |  |  |  | 22.29 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9768773 | [Redact] |  | N/A |  |  |  | No | No | $6625.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6625.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.36 | 0.42 |  |  |  |  |  |  |  | [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 | 126.59 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9846236 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $4064.83 | $7470.78 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 19.456% | 19.456% | 19.456% | [Redact] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4064.83 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 114.41 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9846235 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 751 | 785 | 811 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | 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 | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | 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 | 72.9 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9848347 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1619.00 | $4254.72 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.895% | 36.895% | 36.895% | [Redact] | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| 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]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1619.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 431.67 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9251270 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [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 | No |  | [Redact] |  |  |  | $0.00 | 3.8 |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 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 |  |  |  |  |  |  |  |  |  |  | No | 105.52 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9251452 | [Redact] |  | Non QM |  |  |  | Yes | No | $22147.75 | $24077.31 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.468% | 24.468% | 24.468% | [Redact] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Other - 2003 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $22147.75 |  | [Redact] | $70000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 29.310% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.48 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9251467 | [Redact] |  | Non QM |  |  |  | Yes | No | $12540.00 | $16507.56 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 16.041% | 16.041% | 16.041% | [Redact] | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $12540.00 |  | [Redact] | $10000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 5.300% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.63 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9849176 | [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] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | 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 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 299.93 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 |
| [Redact] | 9850048 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $3369.00 | $4775.10 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed | Employed |  | 5.9 |  |  | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.962% | 38.962% | 38.962% | [Redact] | 808 | 808 | 803 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 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 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3369.00 |  | [Redact] | $5000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 98.870% | No |  |  | 34 |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 118.84 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9850110 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $37924.95 | $15758.46 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.162% | 42.162% | 42.162% | [Redact] | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $37924.95 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 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 | 43.47 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9850116 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.91 | 0.52 |  |  |  |  |  |  |  | [Redact] | [Redact] | 2.470% | 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 |  |  |  |  |  |  |  |  |  |  |  | 21.04 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9850106 | [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] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 121.85 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9850113 | [Redact] | [Redact] | N/A |  |  |  | No | No | $3690.00 |  |  | [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] | $3690.00 |  | [Redact] | $0.00 | 3.4 |  |  |  | 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 | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 108.35 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9850111 | [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] | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $6420.00 | 1.9 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.66 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 102.41 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9850117 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | [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 | 96.42 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9850120 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.97 | 0.51 |  |  |  |  |  |  |  | [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 | 81.9 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9851533 | [Redact] | [Redact] | N/A |  |  |  | No | No | $1946.00 | $2759.83 |  | [Redact] | [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 | No |  | [Redact] | $1946.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.7 |  |  |  |  |  |  |  | [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 | 349.79 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 |
| [Redact] | 9851567 | [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] | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.8 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [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 | 91.83 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9852035 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $2370.83 | $4425.83 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.800% | 47.800% | 47.800% | [Redact] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2370.83 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 1 |  | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.41 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9852514 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1565.00 | $5397.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 17.205% | 17.205% | 17.205% | [Redact] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for 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: 24]; 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: 24]; 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: 24]; 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: 24]; 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: 24]; 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: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| 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: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1565.00 |  | [Redact] | $1000.00 | 1.7 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 33.330% | 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 |  |  |  |  |  |  |  |  |  |  |  | 56.03 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9852723 | [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] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.8 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | [Redact] | $0.00 |  | 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 | 100.65 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9852725 | [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] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | [Redact] | [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 | 82.63 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9852717 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $55215.00 | $19094.75 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 22.358% | 22.358% | 22.358% | [Redact] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; 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: 24]; 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: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $55215.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 5.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.79 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9852733 | [Redact] | [Redact] | N/A |  |  |  | No | No | $7014.51 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7014.51 |  | [Redact] | $25000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.25 |  |  |  |  |  |  |  | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 96.64 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9853889 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $25445.00 | $33258.96 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.265% | 24.265% | 24.265% | [Redact] | 638 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.00000% \| 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: 8.00000% \| 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: 8.00000% \| 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: 8.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $25445.00 |  | [Redact] | $30000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 23.350% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.54 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9854921 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2657.40 | $4977.47 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.227% | 38.227% | 38.227% | [Redact] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2657.40 |  | [Redact] | $3800.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 365.17 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9855040 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $0.00 | $0.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 18.903% | 18.903% | 18.903% | [Redact] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $5000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 28.730% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.55 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9855039 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8975.14 | $20093.01 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.770% | 47.770% | 47.770% | [Redact] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Non-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 - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| 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: 40.00% \| 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: 40.00% \| 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: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| 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: 40.00% \| 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: 40.00% \| 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 - 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]; 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]; 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 - 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]; 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8975.14 |  | [Redact] | $0.00 | 2.7 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 45.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.15 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9855041 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1495.00 | $5329.51 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 17.082% | 17.082% | 17.082% | [Redact] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2017 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1495.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.17 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9855036 | [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] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.7 |  |  |  | N/A | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.5 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9855426 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $9006.20 | $10340.77 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.087% | 42.087% | 42.087% | [Redact] | 659 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: CPA Letter \| # 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: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9006.20 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 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 | 6.29 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9855858 | [Redact] | [Redact] | N/A |  |  |  | No | No | $6000.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  | [Redact] | $6000.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | [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 |  |  |  |  |  |  |  |  |  |  |  | 13.76 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9855861 | [Redact] | [Redact] | N/A |  |  |  | No | No | $7350.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7350.00 |  | [Redact] | $7500.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.09 |  |  |  |  |  |  |  | [Redact] | [Redact] | 54.750% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 36.72 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9856872 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 758 | 744 | 777 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.4 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | 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 | 112.77 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9856882 | [Redact] | [Redact] | N/A |  |  |  | No | No | $4758.33 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4758.33 |  | [Redact] | $0.00 |  |  |  |  | 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 | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 192.16 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 |
| [Redact] | 9856876 | [Redact] | [Redact] | N/A |  |  |  | No | No | $4582.89 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4582.89 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | [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 |  |  |  |  |  |  |  |  |  |  |  | 220.81 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 |
| [Redact] | 9856874 | [Redact] | [Redact] | N/A |  |  |  | No | No | $4582.89 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4582.89 |  | [Redact] | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | [Redact] | [Redact] | 15.510% | 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 |  |  |  |  |  |  |  |  |  |  |  | 220.17 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 |
| [Redact] | 9857096 | [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] | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.9 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [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 | 14.3 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9768757 | [Redact] |  | N/A |  |  |  | No | No | $8146.87 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 4 | [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] | $8146.87 |  | [Redact] | $7500.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | [Redact] | [Redact] | 38.900% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member | 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 |  |  |  |  |  |  |  |  | 21.67 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9768750 | [Redact] |  | N/A |  |  |  | No | No | $10045.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10045.00 |  | [Redact] | $0.00 | 3 |  |  |  | N/A | 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 | 120.15 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9768767 | [Redact] |  | N/A |  |  |  | No | No | $4050.00 |  |  | [Redact] | [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 | No |  | [Redact] | $4050.00 |  | [Redact] | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.52 | 0.4 |  |  |  |  |  |  | 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 | 57.83 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9858036 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $46452.25 | $17122.93 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 13.971% | 13.971% | 13.971% | [Redact] | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 55.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 55.00% \| 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: 55.00% \| 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: 55.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 55.00% \| 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: 55.00% \| 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $46452.25 |  | [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 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.63 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9859558 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $16180.00 | $19139.91 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 14.655% | 14.655% | 14.655% | [Redact] | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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] | $16180.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 527.06 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 |
| [Redact] | 9859559 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $16180.00 | $18714.91 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 15.611% | 15.611% | 15.611% | [Redact] | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16180.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 597.51 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 |
| [Redact] | 9859566 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.7 |  |  |  | Yes | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.88 | 0.53 |  |  |  |  |  |  |  | [Redact] | [Redact] | 37.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.48 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9860188 | [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] | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.7 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 83.11 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9860185 | [Redact] | [Redact] | N/A |  |  |  | No | No | $4602.16 | $5440.32 |  | [Redact] | [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 | No |  | [Redact] | $4602.16 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 82.35 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9856759 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9551.28 | $5042.99 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.951% | 40.951% | 40.951% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $9551.28 |  | [Redact] | $10000.00 | 2.3 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Yes | FNMA - Published after June 2020 | Yes |  | [Redact] | [Redact] | 23.520% | No |  | 34 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 20.2 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9856760 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1890.00 | $19087.82 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.545% | 33.545% | 33.545% | [Redact] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - C-Corp]; Other - 2025<br> [Coborrower(s) - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - C-Corp]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - C-Corp]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - C-Corp]; 1120 - 2023<br> [Coborrower(s) - \| Primary Income - C-Corp]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - C-Corp]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - C-Corp]; 1120 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - 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]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $1890.00 |  | [Redact] | $265000.00 | 1 | LP / LPA |  | Accept/Ineligible | Yes | No | [Redact] | 1 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | FHLMC - Published after June 2020 | Yes |  | [Redact] | [Redact] | 6.260% | No | 13 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 6.97 | Retail | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9856763 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6754.36 | $8642.98 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.082% | 41.082% | 41.082% | [Redact] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $6754.36 |  | [Redact] | $5000.00 | 1 | LP / LPA |  | Accept/Ineligible | No | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | FHLMC - Published after June 2020 | Yes |  | [Redact] | [Redact] | 23.650% | No |  | 13 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 9.94 | Retail | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9856765 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1095.00 | $660.78 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.513% | 43.513% | 43.513% | [Redact] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $1095.00 |  | [Redact] | $36000.00 | 2.6 | LP / LPA |  | Accept/Ineligible | No | No | [Redact] | 2 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Yes | FHLMC - Published after June 2020 | Yes |  | [Redact] | [Redact] | 1.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.41 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9856768 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2495.00 | $8886.63 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.106% | 43.106% | 43.106% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $2495.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 1 |  | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Yes | FNMA - Published after June 2020 | Yes |  | [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 | 15.35 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9856770 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14076.51 | $15984.91 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.344% | 43.344% | 43.344% | [Redact] | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $14076.51 |  | [Redact] | $0.00 | 1.3 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 2 | 2 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | FNMA - Published after June 2020 | Yes |  | [Redact] | [Redact] | 3.940% | No | 2 |  |  |  | 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 |  |  |  | 3.5 | Retail |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9856777 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10506.54 | $15627.49 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.268% | 37.268% | 37.268% | [Redact] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $10506.54 |  | [Redact] | $0.00 | 1.9 | LP / LPA |  | Accept/Ineligible | Yes | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | FHLMC - Published after June 2020 | Yes |  | [Redact] | [Redact] | 24.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.33 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9856781 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2365.00 | $18722.32 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.103% | 42.103% | 42.103% | [Redact] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $2365.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | FNMA - Published after June 2020 | Yes |  | [Redact] | [Redact] | 16.790% | No | 10 | 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 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 6.3 | Retail | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9856783 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10993.50 | $20171.49 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.670% | 40.670% | 40.670% | [Redact] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 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] | $10993.50 |  | [Redact] | $4000.00 | 1.6 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 23.720% | No | 33 | 7 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 16.83 | Retail | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9860517 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $13620.00 | $17688.91 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.325% | 29.325% | 29.325% | [Redact] | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13620.00 |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 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 | 14.67 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9860518 | [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] | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.1 |  |  |  | Yes | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.61 | 0.62 |  |  |  |  |  |  |  | [Redact] | [Redact] | 83.140% | 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 |  |  |  |  |  |  |  |  |  |  |  | 102.09 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9860576 | [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] | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.9 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [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 | 93.3 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9768765 | [Redact] |  | N/A |  |  |  | No | No | $8100.00 |  |  | [Redact] | [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] | $8100.00 |  | [Redact] | $8000.00 | 4.5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 18.040% | 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 |  |  |  |  |  |  |  |  |  |  |  | 4.03 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9896617 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $22384.20 | $5329.70 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Not Employed | Self-Employed |  | 8.81 |  |  | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 15.843% | 15.843% | 15.843% | [Redact] | 781 | 791 | 781 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 12 | Business | 100.000% |  |  |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $22384.20 |  | [Redact] | $0.00 | 1.9 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 44.790% | 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 |  |  |  |  |  |  |  |  | 30.44 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9896647 | [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] | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 3.5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 40.94 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9897044 | [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] | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.7 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 72.44 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9898645 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [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 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redact] | [Redact] | 30.870% | 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 |  |  |  |  |  |  |  |  |  |  |  | 4.45 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9917969 | [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 | No |  | [Redact] |  |  | [Redact] | $0.00 | 5 |  |  |  | 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 | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 99.72 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9895803 | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $11268.43 | $4583.27 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.481% | 40.481% | 40.481% | [Redact] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 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 |  |  |  | $11268.43 |  | [Redact] | $0.00 | 1.8 | LP / LPA |  | Accept/Eligible | Yes | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 40.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.23 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9895808 | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $11995.00 | $6745.61 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.157% | 48.157% | 48.157% | [Redact] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11995.00 |  | [Redact] | $9020.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | [Redact] | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 29.310% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.08 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9895810 | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $10930.00 | $14506.25 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.693% | 49.693% | 49.693% | [Redact] | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Disability]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10930.00 |  | [Redact] | $14400.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | [Redact] | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 20.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.66 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9895811 | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $7355.00 | $3053.40 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.052% | 47.052% | 47.052% | [Redact] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 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]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 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) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7355.00 |  | [Redact] | $6100.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | [Redact] | 1 | 1 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 27.56 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9895828 | [Redact] |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $14773.65 | $3100.68 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.282% | 39.282% | 39.282% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 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 |  |  |  | $14773.65 |  | [Redact] | $10000.00 | 2.4 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | FNMA - Published after June 2020 | Yes |  | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 138.98 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9895831 | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $11473.40 | $4081.76 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.375% | 36.375% | 36.375% | [Redact] | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; 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> [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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11473.40 |  | [Redact] | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | [Redact] | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 33 | 19 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 147.59 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9895853 | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $17025.25 | $9184.90 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.396% | 45.396% | 45.396% | [Redact] | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $17025.25 |  | [Redact] | $9798.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | [Redact] | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 78.690% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 90.14 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9895857 | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $9695.00 | $2785.25 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.830% | 44.830% | 44.830% | [Redact] | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Other - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 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) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9695.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 53.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 41.92 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9895860 | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $12284.68 | $5414.75 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.614% | 48.614% | 48.614% | [Redact] | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12284.68 |  | [Redact] | $0.00 | 1.1 | LP / LPA |  | Accept/Eligible | Yes | No | [Redact] | 0 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 52.480% | No | 33 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.73 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9895872 | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $4459.00 | $7400.32 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.348% | 47.348% | 47.348% | [Redact] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4459.00 |  | [Redact] | $0.00 | 4.1 | LP / LPA |  | Accept/Eligible | No | No | [Redact] | 0 |  | 2 | 0 | 3 | 1 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 4.290% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.15 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| [Redact] | 9895877 | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $1438.00 | $2464.06 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.027% | 35.027% | 35.027% | [Redact] | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1438.00 |  | [Redact] | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 116.06 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9895895 | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $6635.00 | $10185.29 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.581% | 48.581% | 48.581% | [Redact] | 640 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6635.00 |  | [Redact] | $0.00 | 2.5 | DU |  | ApproveEligible | N/A | No | [Redact] | 1 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 23.370% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.64 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9895913 | [Redact] |  | Higher Priced QM (APOR) |  |  |  | Yes | Yes | $7415.00 | $11932.54 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed | Employed | Employed | 0.84 | 14.03 | US Citizen | US Citizen | US Citizen | US Citizen |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.740% | 49.740% | 49.740% | [Redact] | 770 | 787 | 780 | 780 | 809 | 804 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2024<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7415.00 |  | [Redact] | $0.00 | 1.2 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Yes | FNMA - Published after June 2020 | Yes |  | [Redact] | [Redact] | 31.400% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  | 12.59 | Retail | No | No |  | [Redact] | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 |
| [Redact] | 9918170 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $14022.90 | $5904.57 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.729% | 44.729% | 44.729% | [Redact] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 2018 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14022.90 |  | [Redact] | $0.00 | 3.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 53.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.64 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9951053 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $13095.00 | $16430.28 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.659% | 30.659% | 30.659% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 80.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2010 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13095.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | 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 | 66.98 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9953829 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $2189.60 | $3775.11 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 7.257% | 7.257% | 7.257% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<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] | $2189.60 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 237.85 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9954582 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $11473.73 | $12984.35 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 31.091% | 31.091% | 31.091% |  | 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]; 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 - 1999<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 - 1998 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11473.73 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 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 | 51.9 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9956980 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $5594.54 | $4017.49 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.294% | 24.294% | 24.294% | [Redact] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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] | $5594.54 |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 4.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 6.41 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9957075 | [Redact] | [Redact] | N/A |  |  |  | No | No | $11020.50 |  |  | [Redact] | [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] | $11020.50 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.21 |  |  |  |  |  |  |  | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 122.21 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9978968 | [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] | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $7834.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.18 |  |  |  |  |  |  |  | [Redact] | [Redact] | 52.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.75 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9978960 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $44345.00 | $14542.65 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.292% | 30.292% | 30.292% | [Redact] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $44345.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [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 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 23.9 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9502459 | [Redact] |  | N/A |  |  |  | No | No | $11786.02 | $4326.66 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 10.708% | 10.708% | 10.708% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11786.02 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 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 | 48.53 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 10 |
| [Redact] | 9554449 | [Redact] |  | N/A |  |  |  | No | No | $6762.19 | $8482.60 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.062% | 24.062% | 24.062% | [Redact] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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 - 2021 | [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] | $6762.19 |  | [Redact] | $2000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 160.73 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9806956 | [Redact] |  | N/A |  |  |  | No | No | $1500.00 | $2270.21 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed | Not Employed |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 25.118% | 25.118% | 25.118% | [Redact] | 749 | 749 | 753 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | 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]; Account Statements - Business - 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]; 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]; 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 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1500.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 62.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 41.1 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 11 |
| [Redact] | 9697700 | [Redact] |  | N/A |  |  |  | No | No | $29399.33 | $10710.74 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.533% | 41.533% | 41.533% | [Redact] | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 69.000% | 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]; Other - 2020<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<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 - 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]; 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]; Telephone Listing / Internet Search / Directory Assistance - 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]; Third Party Verification - 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]; Third Party Verification - 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]; Third Party Verification - 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]; Third Party Verification - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 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] | $29399.33 |  | [Redact] | $0.00 | 1.6 |  |  |  | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 21.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.48 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9809557 | [Redact] |  | N/A |  |  |  | No | No | $2715.00 | $3283.11 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.550% | 29.550% | 29.550% | [Redact] | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2715.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 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 | 62.16 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9809558 | [Redact] |  | N/A |  |  |  | No | No | $1710.00 | $2223.14 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.692% | 28.692% | 28.692% | [Redact] | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1710.00 |  | [Redact] | $0.00 | 2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 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 | 27.66 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9501389 | [Redact] |  | N/A |  |  |  | No | No | $27840.00 |  |  | [Redact] | [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] | $27840.00 |  | [Redact] | $26100.00 | 3.7 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] | [Redact] | 38.510% | 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 |  |  |  |  |  |  |  |  |  |  |  | 49.26 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9503114 | [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] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 0.79 | 1.27 |  |  |  |  |  |  |  | [Redact] | [Redact] | 50.840% | 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 |  |  |  |  |  |  |  |  |  |  |  | 20.44 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9503232 | [Redact] |  | N/A |  |  |  | No | No | $21979.74 |  |  | [Redact] | [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 | No |  | [Redact] | $21979.74 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.07 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 10 |
| [Redact] | 9501876 | [Redact] |  | N/A |  |  |  | No | No | $25840.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $25840.00 |  | [Redact] | $0.00 |  |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | [Redact] | [Redact] | 29.840% | 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 |  |  |  |  |  |  |  |  |  |  |  | 5.57 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9613076 | [Redact] |  | N/A |  |  |  | No | No | $28152.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $28152.00 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] | 26.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.66 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 |
| [Redact] | 9693967 | [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] | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.24 |  |  |  |  |  |  |  | [Redact] | [Redact] | 2.810% | 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 |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 8 |
| [Redact] | 9694751 | [Redact] |  | N/A |  |  |  | No | No | $80000.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $80000.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | [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 | 6.85 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9806465 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not 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 | 1.26 | 0.79 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | 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 | 60.84 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9769235 | [Redact] |  | N/A |  |  |  | No | No | $13996.00 |  |  | [Redact] | [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 | Yes |  | [Redact] | $13996.00 |  | [Redact] | $6998.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] | 35.700% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.19 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9694614 | [Redact] |  | N/A |  |  |  | No | No | $22080.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $22080.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 12.74 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9735213 | [Redact] |  | N/A |  | Yes |  | No | No | $0.00 |  |  | [Redact] | [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] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | [Redact] | $0.00 |  | 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 | 105.39 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9615758 | [Redact] |  | N/A |  |  |  | No | No | $18525.00 |  |  | [Redact] | [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] | $18525.00 |  | [Redact] | $5000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 234.64 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 |
| [Redact] | 9804487 | [Redact] |  | N/A |  |  |  | No | No | $6200.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6200.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [Redact] | [Redact] | 28.160% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.05 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9809556 | [Redact] |  | N/A |  |  |  | No | No | $7805.00 |  |  | [Redact] | [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] | $7805.00 |  | [Redact] | $0.00 | 2.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [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 | 36.37 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9694514 | [Redact] |  | N/A |  |  |  | No | No | $3095.00 | $2833.64 |  | [Redact] | [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] | $3095.00 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | [Redact] | [Redact] | 78.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.47 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9736682 | [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] | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] | 13.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 37.74 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 |
| [Redact] | 9809555 | [Redact] |  | N/A |  |  |  | No | No | $17400.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $17400.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  |  |  |  |  | [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 | 4.72 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9693964 | [Redact] |  | N/A |  |  |  | No | No | $4440.00 |  |  | [Redact] | [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] | $4440.00 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.71 | 0.59 |  |  |  |  |  |  |  | [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 | 90.73 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| [Redact] | 9732548 | [Redact] |  | N/A |  |  |  | No | No | $11700.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11700.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] | $0.00 |  | 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 | 15.3 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9732163 | [Redact] |  | N/A |  |  |  | No | No | $10020.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10020.00 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | [Redact] | $0.00 |  | 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 | 15.67 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 |
| [Redact] | 9732164 | [Redact] |  | N/A |  |  |  | No | No | $10200.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10200.00 |  | [Redact] | $0.00 | 3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | [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 | 5.99 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9983337 | [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] | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [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 | 96 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9896373 | [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 | Yes |  | [Redact] |  |  |  | $0.00 | 2 |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.69 | 0.59 |  |  |  |  |  |  |  | [Redact] | [Redact] | 34.080% | 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 |  |  |  |  |  |  |  |  |  |  |  | 18.02 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9896387 | [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] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [Redact] | [Redact] | 16.500% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.87 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9844380 | [Redact] |  | N/A |  |  |  | No | No | $26250.00 | $11545.07 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 6.002% | 6.002% | 6.002% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $26250.00 |  | [Redact] | $0.00 | 2 |  |  |  | Yes | No | [Redact] | 0 |  | 0 | 0 | 4 | 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 | 7.35 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9896319 | [Redact] |  | N/A |  |  |  | No | No | $4829.00 | $6655.14 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 11.892% | 11.892% | 11.892% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 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]; Account Statements - Business - 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]; CPA Letter - 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]; Other - 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]; Telephone Listing / Internet Search / Directory Assistance - 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]; 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]; Third Party Verification - 2025 | [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] | $4829.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 5 | 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 | 70.24 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9365602 | [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] | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.8 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | [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 | 37.28 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9844272 | [Redact] |  | N/A |  |  |  | No | No | $10248.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | $0.00 | [Redact] | $0.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10248.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [Redact] | [Redact] | 5.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 203.03 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| [Redact] | 9732713 | [Redact] |  | N/A |  |  |  | No | No | $3075.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3075.00 |  | [Redact] | $0.00 | 2.1 |  |  |  | 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 | 77.08 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9732140 | [Redact] |  | N/A |  |  |  | No | No | $45937.50 |  |  | [Redact] | [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] | $45937.50 |  | [Redact] | $0.00 | 4.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.68 |  |  |  |  |  |  |  | [Redact] | [Redact] | 46.810% | 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 |  |  |  |  |  |  |  |  |  |  |  | 28.76 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9603493 | [Redact] |  | N/A |  |  |  | No | No | $41437.50 |  |  | [Redact] | [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] | $41437.50 |  | [Redact] | $0.00 | 4.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.11 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 62.740% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.9 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9693849 | [Redact] |  | N/A |  |  |  | No | No | $4480.00 |  |  | [Redact] | [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] | $4480.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.66 | 0.6 |  |  |  |  |  |  |  | [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 | 89.92 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| [Redact] | 9693850 | [Redact] |  | N/A |  |  |  | No | No | $4760.00 |  |  | [Redact] | [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] | $4760.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.6 | 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 | 91.69 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9807755 | [Redact] |  | N/A |  |  |  | No | No | $6000.00 |  |  | [Redact] | [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 | No |  | [Redact] | $6000.00 |  | [Redact] | $0.00 | 1.9 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | [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 | 210.03 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9806957 | [Redact] |  | N/A |  |  |  | No | No | $6750.00 |  |  | [Redact] | [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 | No |  | [Redact] | $6750.00 |  | [Redact] | $0.00 | 1 |  |  |  | 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) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 179.54 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9808708 | [Redact] |  | N/A |  |  |  | No | No | $1805.00 | $2328.17 |  | [Redact] | [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 | No |  | [Redact] | $1805.00 |  | [Redact] | $0.00 | 5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | [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 | 29.69 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 |
| [Redact] | 9851605 | [Redact] |  | N/A |  |  |  | No | No | $11900.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11900.00 |  | [Redact] | $0.00 | 3.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.12 |  |  |  |  |  |  |  | [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 | 100.44 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9808468 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | 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 | 1.37 | 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) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 117.78 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9896456 | [Redact] |  | N/A |  |  |  | No | No | $14490.00 |  |  | [Redact] | [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 | No |  | [Redact] | $14490.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.04 |  |  |  |  |  |  |  | [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 | 34.45 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9954493 | [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] | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 22.77 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9954494 | [Redact] |  | N/A |  |  |  | No | No | $9000.00 |  |  | [Redact] | [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 | No |  | [Redact] | $9000.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | [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 | 66.42 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9954498 | [Redact] |  | N/A |  |  |  | No | No | $11812.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11812.50 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] | 6.370% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.44 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9954519 | [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] | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14280.00 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.84 |  |  |  |  |  |  |  | [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 | 76.85 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9954524 | [Redact] |  | N/A |  |  |  | No | No | $10461.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10461.50 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.75 |  |  |  |  |  |  |  | [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 | 121.35 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9954508 | [Redact] |  | Non QM |  |  |  | Yes | No | $1998.00 | $7365.40 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 20.364% | 20.364% | 20.364% | [Redact] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1998.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 36.030% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.03 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9954515 | [Redact] |  | Non QM |  |  |  | Yes | No | $12815.00 | $6629.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 31.568% | 31.568% | 31.568% | [Redact] | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Other - 2012 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12815.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 98.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 114.49 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9954516 | [Redact] |  | Non QM |  |  |  | Yes | No | $9624.60 | $13407.70 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.424% | 42.424% | 42.424% | [Redact] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9624.60 |  | [Redact] | $0.00 |  |  |  |  | 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) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 286.3 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9954510 | [Redact] |  | Non QM |  |  |  | Yes | No | $4395.45 | $6227.39 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.523% | 36.523% | 36.523% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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]; Third Party Verification - 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 - 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]; CPA Letter - 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]; 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]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4395.45 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 7.250% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.91 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9896399 | [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] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | Yes | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | [Redact] | [Redact] | 3.300% | 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 |  |  |  |  |  |  |  |  | 340.61 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9896428 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [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 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  | 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 | 50.38 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9896385 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | 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 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [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 | 46.67 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9896386 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 3.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [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 | 43.04 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9979510 | [Redact] |  | Non QM |  |  |  | Yes | No | $10553.00 | $13728.39 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed | Employed |  | 3.6 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.084% | 44.084% | 44.084% | [Redact] | 711 | 749 | 742 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | Yes | 12 | Business | 77.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| 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: 10.00000% \| 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: 10.00000% \| 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: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $10553.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 1.5 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9979560 | [Redact] |  | N/A |  |  |  | No | No | $11548.00 | $4644.08 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 7.617% | 7.617% | 7.617% | [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]; 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 - 2017 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $11548.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [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 |  |  |  |  |  |  |  |  |  |  |  | 189.92 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 9 |
| [Redact] | 9979561 | [Redact] |  | N/A |  |  |  | No | No | $10651.20 | $4531.44 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 8.166% | 8.166% | 8.166% | [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]; 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 - 2017 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $10651.20 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [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 |  |  |  |  |  |  |  |  |  |  |  | 220.98 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 9 |
| [Redact] | 9979571 | [Redact] |  | Non QM |  |  |  | Yes | No | $1893.00 | $4528.84 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.112% | 27.112% | 27.112% | [Redact] | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| 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: 0.00000% \| 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: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 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]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $1893.00 |  | [Redact] | $11995.00 | 1 |  |  |  | Yes | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 25.340% | 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 |  |  |  | 9.03 | Retail |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9979619 | [Redact] |  | Non QM |  |  |  | Yes | No | $2049.00 | $9476.70 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.788% | 34.742% | 38.788% | [Redact] | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 74.000% | 33.330% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| 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: 33.33% \| 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: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| 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: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 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 |  |  | [Redact] | $2049.00 |  | [Redact] | $0.00 | 1 |  |  |  | Yes | No | [Redact] | 0 | 2 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [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 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.75 | Retail | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9694918 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1.1 |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] | 35.800% | 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 |  |  |  |  |  |  |  |  |  |  |  | 11.32 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9695094 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.66 |  |  |  |  |  |  |  | [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 |  |  |  |  |  |  |  |  |  |  |  | 231.69 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9695059 | [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 | 1.5 |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.58 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 |
| [Redact] | 9979622 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 68.07 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | No | No | No | 1 |
| [Redact] | 9979495 | [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 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | [Redact] | $0.00 |  | 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 |  | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |

---

## Exhibit 99.2

**Exhibit 99.2**

 **Schedule 6 - Multi Property Valuation Report**

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

![](ex99_001.jpg)

**Multi Property Valuation Report**

**Run Date - 2/4/2026 8:45:12 PM** 

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| **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** | **Property ID** | **Property Address** | **City** | **State** | **Zip Code** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| [Redact] | 9500035-2 | [Redact] |  |  |  |  |  |  | 5.000% | 9500035-120616 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9500035-3 | [Redact] |  |  |  |  |  |  | 0.000% | 9500035-120617 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9500035-4 | [Redact] |  |  |  |  |  |  | 0.000% | 9500035-120622 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9500035-1 | [Redact] |  |  |  |  |  |  | 0.000% | 9500035-120614 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9500050-1 | [Redact] |  |  |  |  |  |  | 0.000% | 9500050-120654 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 2.26% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9500050-2 | [Redact] |  |  |  |  |  |  | 11.875% | 9500050-120660 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9500052-4 | [Redact] |  |  |  |  |  |  | 0.000% | 9500052-120716 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | -2.11% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9500052-8 | [Redact] |  |  |  |  |  |  | 0.000% | 9500052-120821 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | -4.80% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9500052-7 | [Redact] |  |  |  |  |  |  | 0.000% | 9500052-120820 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | -2.30% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9500052-6 | [Redact] |  |  |  |  |  |  | 0.000% | 9500052-120819 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9500052-5 | [Redact] |  |  |  |  |  |  | 0.000% | 9500052-120717 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9500052-3 | [Redact] |  |  |  |  |  |  | 0.000% | 9500052-120714 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | -2.74% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9500052-2 | [Redact] |  |  |  |  |  |  | 0.000% | 9500052-120709 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9500052-1 | [Redact] |  |  |  |  |  |  | 0.000% | 9500052-120706 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | -5.95% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9500086-1 | [Redact] |  |  |  |  |  |  | 0.000% | 9500086-120552 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9500086-2 | [Redact] |  |  |  |  |  |  | 0.000% | 9500086-120683 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9500092-1 | [Redact] |  |  |  |  |  |  | 0.000% | 9500092-120666 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9500092-2 | [Redact] |  |  |  |  |  |  | 0.000% | 9500092-120668 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9500092-3 | [Redact] |  |  |  |  |  |  | 0.000% | 9500092-120669 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.3

**Exhibit 99.3**

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

![](ex993001.jpg)

**EXECUTIVE SUMMARY**

**MSRM 2026-NQM2**

**By Clarifii LLC on February 3, 2026**

MSRM 2026-NQM2 Due Diligence Narrative Report – PagE \| 1

![](ex993001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 148 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 2026-NQM2 transaction. The Loans referenced in this narrative report were reviewed between 03/2025 to 12/2025 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;73 | &nbsp;&nbsp;49.32% | &nbsp;&nbsp;$30698171.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;14 | &nbsp;&nbsp;9.46% | &nbsp;&nbsp;$5496725.00 |
| &nbsp;&nbsp;Correspondent Bulk | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.68% | &nbsp;&nbsp;$221250.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;60 | &nbsp;&nbsp;40.54% | &nbsp;&nbsp;$34555895.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**148** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$70972041.00** |

---

The Review consisted of a population of 148 Loans, with an aggregate principal balance of $70,972,041.00.

**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.

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

MSRM 2026-NQM2 Due Diligence Narrative Report – PagE \| 2

![](ex993001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp; Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019;<br> Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025 |
| &nbsp;&nbsp;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 |

---

**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;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Employer 2 Position |
| &nbsp;&nbsp;Borrower 1 Employer 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Employer 3 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |

---

MSRM 2026-NQM2 Due Diligence Narrative Report – PagE \| 3

![](ex993001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Middle Name |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Name of Employer 2 |
| &nbsp;&nbsp;Borrower 1 Name of Employer 3 |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Other Income |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - Female |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 Sex Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 Birthdate |
| &nbsp;&nbsp;Borrower 2 Citizen |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Marital Status |
| &nbsp;&nbsp;Borrower 2 Middle Name |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Race - White |
| &nbsp;&nbsp;Borrower 2 Rent or Own |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Sex - Male |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Borrower 2 Telephone Interview |
| &nbsp;&nbsp;Borrower 2 Years in Current Home |
| &nbsp;&nbsp;Borrower 3 Birthdate |
| &nbsp;&nbsp;Borrower 3 Citizen |
| &nbsp;&nbsp;Borrower 3 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 3 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 3 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 3 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 3 First Name |

---

MSRM 2026-NQM2 Due Diligence Narrative Report – PagE \| 4

![](ex993001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 3 Last Name |
| &nbsp;&nbsp;Borrower 3 Marital Status |
| &nbsp;&nbsp;Borrower 3 Middle Name |
| &nbsp;&nbsp;Borrower 3 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 3 Race - White |
| &nbsp;&nbsp;Borrower 3 Rent or Own |
| &nbsp;&nbsp;Borrower 3 Sex - Female |
| &nbsp;&nbsp;Borrower 3 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 3 SSN |
| &nbsp;&nbsp;Borrower 3 Telephone Interview |
| &nbsp;&nbsp;Borrower 3 Years in Current Home |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Date Last Rate Was Set |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;Final Reviewed QM Status |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lender Name |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Originator QM Status |

---

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---

| |
|:---|
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying 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;Short Term Rent Source |
| &nbsp;&nbsp;Subject Property Gross Rental income |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Underwriting Guideline Name |
| &nbsp;&nbsp;Verified Doc Type |

---

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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

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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

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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** 

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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.

● **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

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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.

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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).

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

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– 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.

– 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.

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– 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.

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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)** 

Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

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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% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP 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;1 |
| &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;38 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 |

---

MSRM 2026-NQM2 Due Diligence Narrative Report – PagE \| 16

![](ex993001.jpg)

**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**

---

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

---

**Credit Event Grade**

---

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

---

MSRM 2026-NQM2 Due Diligence Narrative Report – PagE \| 17

![](ex993001.jpg)

**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

MSRM 2026-NQM2 Due Diligence Narrative Report – PagE \| 18

![](ex993001.jpg)

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall 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;116 | &nbsp;&nbsp;78.38% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;32 | &nbsp;&nbsp;21.62% |
| &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;**148** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**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;120 | &nbsp;&nbsp;81.08% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;28 | &nbsp;&nbsp;18.92% |
| &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;**148** | &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;147 | &nbsp;&nbsp;99.32% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.68% |
| &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;**148** | &nbsp;&nbsp;**100.00%** |

---

MSRM 2026-NQM2 Due Diligence Narrative Report – PagE \| 19

![](ex993001.jpg)

**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;143 | &nbsp;&nbsp;96.62% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.38% |
| &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;**148** | &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;148 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$70972041.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**148** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$70972041.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;26 | &nbsp;&nbsp;17.57% | &nbsp;&nbsp;$18261146.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.70% | &nbsp;&nbsp;$2246000.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;118 | &nbsp;&nbsp;79.73% | &nbsp;&nbsp;$50464895.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**148** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$70972041.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;80 | &nbsp;&nbsp;54.05% | &nbsp;&nbsp;$37817175.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;68 | &nbsp;&nbsp;45.95% | &nbsp;&nbsp;$33154866.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**148** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$70972041.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;148 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$70972041.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**148** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$70972041.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.35% | &nbsp;&nbsp;$690000.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;146 | &nbsp;&nbsp;98.65% | &nbsp;&nbsp;$70282041.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**148** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$70972041.00** |

---

MSRM 2026-NQM2 Due Diligence Narrative Report – PagE \| 20

![](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 Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;1 | &nbsp;&nbsp;18 | &nbsp;&nbsp;94.44% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;19 | &nbsp;&nbsp;89.47% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;1 | &nbsp;&nbsp;32 | &nbsp;&nbsp;96.88% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;16 | &nbsp;&nbsp;93.75% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 2 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 3 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;114 | &nbsp;&nbsp;99.12% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;148 | &nbsp;&nbsp;99.32% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer 2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer 3 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Other Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |

---

MSRM 2026-NQM2 Due Diligence Narrative Report – PagE \| 21

![](ex993001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;7 | &nbsp;&nbsp;71.43% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;2 | &nbsp;&nbsp;17 | &nbsp;&nbsp;88.24% |
| &nbsp;&nbsp;Borrower 1 Sex Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

MSRM 2026-NQM2 Due Diligence Narrative Report – PagE \| 22

![](ex993001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 3 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 3 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;22 | &nbsp;&nbsp;76 | &nbsp;&nbsp;71.05% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;17 | &nbsp;&nbsp;70.59% |
| &nbsp;&nbsp;Date Last Rate Was Set | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;4 | &nbsp;&nbsp;14 | &nbsp;&nbsp;71.43% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;116 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;147 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;148 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lender Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;93 | &nbsp;&nbsp;96.77% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;50 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;3 | &nbsp;&nbsp;146 | &nbsp;&nbsp;97.95% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;148 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;1 | &nbsp;&nbsp;128 | &nbsp;&nbsp;99.22% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;54 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;19 | &nbsp;&nbsp;68.42% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;28 | &nbsp;&nbsp;96.43% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;7 | &nbsp;&nbsp;19 | &nbsp;&nbsp;63.16% |

---

MSRM 2026-NQM2 Due Diligence Narrative Report – PagE \| 23

![](ex993001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;39 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;147 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;93 | &nbsp;&nbsp;98.92% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;4 | &nbsp;&nbsp;147 | &nbsp;&nbsp;97.28% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;147 | &nbsp;&nbsp;99.32% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;54 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;19 | &nbsp;&nbsp;130 | &nbsp;&nbsp;85.38% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;6 | &nbsp;&nbsp;41 | &nbsp;&nbsp;85.37% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;147 | &nbsp;&nbsp;99.32% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;4 | &nbsp;&nbsp;113 | &nbsp;&nbsp;96.46% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;115 | &nbsp;&nbsp;97.39% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;22 | &nbsp;&nbsp;57 | &nbsp;&nbsp;61.40% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;7 | &nbsp;&nbsp;17 | &nbsp;&nbsp;58.82% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;54 | &nbsp;&nbsp;94.44% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;131 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Short Term Rent Source | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subject Property Gross Rental income | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;3 | &nbsp;&nbsp;126 | &nbsp;&nbsp;97.62% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;5 | &nbsp;&nbsp;10 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;7 | &nbsp;&nbsp;71.43% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |

---

MSRM 2026-NQM2 Due Diligence Narrative Report – PagE \| 24

![](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.*

*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.*© 2026 Clarifii LLC. All rights reserved.

MSRM 2026-NQM2 Due Diligence Narrative Report – PagE \| 25

## Exhibit 99.3

**Exhibit 99.3**

 **Schedule 1 - Rating Agency Grades Detail Report**

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

---

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | XXXX | 9101474 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9119062 D B A | Closed | FCRE8201 | 2025-04-15 15:15 | 2026-01-28 14:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client provided an exception, waiver applied with comp factor. - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. exception approval - Seller-05/27/2025 <br>Counter-Email Chain provided does not confirm the day the borrower was provided the Appraisal. Finding Remains. - Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-04/17/2025 <br>Open-The file contains a letter indicating the appraisal was transferred from another lender. An appraisal delivery form must be provided to the borrower to confirm the borrower's receipt of the appraisal within three (3) business days of the report's completion. The files do not contain proof the borrower received the appraisal within three business days of completion. - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. exception approval - Seller-05/27/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-04/17/2025<br>| Waived-Client provided an exception, waiver applied with comp factor. - Due Diligence Vendor-05/28/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Actual 1.159<br>Months Reserves exceed minimum required - Min 3 months actual 55.44 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 3871214 |
| XXXX | XXXX | 9119062 D B A | Closed | FCRE1509 | 2025-05-30 12:13 | 2025-06-12 12:32 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received corrected Note reflecting 10 year IO. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Supporting doc - Seller-06/11/2025 <br> Open-There are Issues Present on the Note that must be addressed. The Note indicates the borrower will pay P&I of XXXX for 360 months, which is the interest-only payment. Corrected Note to be provided with correct interest-only terms, including how long the I/O period is. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. Supporting doc - Seller-06/11/2025<br>| Resolved-Received corrected Note reflecting 10 year IO. - Due Diligence Vendor-06/12/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Actual 1.159<br>Months Reserves exceed minimum required - Min 3 months actual 55.44 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4284690 |
| XXXX | XXXX | 9119062 D B A | Closed | FCRE0109 | 2025-04-15 15:06 | 2025-04-29 12:43 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - Patriot Act Borrower Identification Form | Resolved-Received photo ID - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. Supporting docs - Buyer-04/28/2025 <br>Open-Missing Disclosure - Patriot Act Borrower Identification Form. Missing from loan files - Due Diligence Vendor-04/15/2025 |  | Resolved-Received photo ID - Due Diligence Vendor-04/29/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Actual 1.159<br>Months Reserves exceed minimum required - Min 3 months actual 55.44 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3871060 |
| XXXX | XXXX | 9119062 D B A | Closed | FCRE7000 | 2025-04-14 13:26 | 2025-04-29 12:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-Upon further review, the loan file contained all required escrow account disclosure doumentation. - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. IEAD not required - Buyer-04/28/2025 <br>Open-Missing IEAD - Due Diligence Vendor-04/14/2025 |  | Resolved-Upon further review, the loan file contained all required escrow account disclosure doumentation. - Due Diligence Vendor-04/29/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Actual 1.159<br>Months Reserves exceed minimum required - Min 3 months actual 55.44 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3857455 |
| XXXX | XXXX | 9119064 D B A | Closed | FCRE8201 | 2025-04-15 16:15 | 2026-01-28 14:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client provided an exception, waiver applied with comp factor. - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. exception approval - Buyer-05/27/2025 <br>Counter-Documentation received is insufficient-finding remains The files do not contain proof the borrower received the appraisal within three business days of completion. - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. Supporting doc - Buyer-05/01/2025 <br>Open-The file contains a letter indicating the appraisal was transferred from another lender. An appraisal delivery form must be provided to the borrower to confirm the borrower's receipt of the appraisal within three (3) business days of the report's completion. The files do not contain proof the borrower received the appraisal within three business days of completion. - Due Diligence Vendor-04/15/2025 |  | Waived-Client provided an exception, waiver applied with comp factor. - Due Diligence Vendor-05/28/2025<br>| DSCR % greater than 1.20 - Actual 1.240<br>Months Reserves exceed minimum required - 166 mths reserves; 3 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 3872157 |
| XXXX | XXXX | 9119064 D B A | Closed | FCRE0109 | 2025-04-15 16:22 | 2025-04-29 12:44 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - Patriot Act Borrower Identification Form | Resolved-Received photo ID. - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. Supporting docs - Seller-04/28/2025 <br>Open-Missing Disclosure - Patriot Act Borrower Identification Form. missing from loan files - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. Supporting docs - Seller-04/28/2025<br>| Resolved-Received photo ID. - Due Diligence Vendor-04/29/2025<br>| DSCR % greater than 1.20 - Actual 1.240<br>Months Reserves exceed minimum required - 166 mths reserves; 3 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3872267 |
| XXXX | XXXX | 9119064 D B A | Closed | FCRE0070 | 2025-04-15 16:25 | 2025-04-21 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received Appraisal. - Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-04/17/2025 <br>Open-Missing Approval/Underwriting Summary Missing from loan files - Due Diligence Vendor-04/15/2025 |  | Resolved-Received Appraisal. - Due Diligence Vendor-04/21/2025<br>| DSCR % greater than 1.20 - Actual 1.240<br>Months Reserves exceed minimum required - 166 mths reserves; 3 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3872304 |
| XXXX | XXXX | 9146946 C B A | Closed | FPRO1251 | 2025-05-29 16:43 | 2025-06-23 10:24 | Waived | 2 - Non-Material C B | Property | Property Issue | Property Zoning Does Not Meet Program Requirements | Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-06/23/2025 <br> Open-Originator exception provided for zoning. Zoning Compliance of Legal Non-conforming with no rebuild letter. Finding to remain pending client approval. - Due Diligence Vendor-05/29/2025 |  | Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-06/23/2025<br>| Months Reserves exceed minimum required - Min 3 months, actual 105.34 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 782 | 782 fico<br> 105 months of reserves. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 4275302 |
| XXXX | XXXX | 9146946 C B A | Closed | FCRE1510 | 2025-05-29 16:23 | 2025-06-04 16:00 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-06/02/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing "Exhibit A" legal description attached to the DOT. - Due Diligence Vendor-05/29/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-06/04/2025<br>| Months Reserves exceed minimum required - Min 3 months, actual 105.34 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 782 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4275119 |
| XXXX | XXXX | 9156990 D A | Closed | FCRE8257 | 2025-06-13 15:16 | 2025-06-25 12:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Prepayment Rider-Credit | Resolved-Received corrected Note Addendum and Rider with intent to re record reflecting terms of prepay. - Due Diligence Vendor-06/25/2025 <br>Ready for Review-Document Uploaded. corrected rider and note to be recorded and shipped to custodian - Seller-06/24/2025 <br>Open-The prepay addendum to the Note and Prepay Rider to the Mortgage do not indicate the term of the prepay, the forms reflect N/A. The correct number of months needs to be added. - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. corrected rider and note to be recorded and shipped to custodian - Seller-06/24/2025<br>| Resolved-Received corrected Note Addendum and Rider with intent to re record reflecting terms of prepay. - Due Diligence Vendor-06/25/2025<br>| LTV is less than guideline maximum - LTV 70%; max 80%.<br>Months Reserves exceed minimum required - 657 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4444999 |
| XXXX | XXXX | 9156990 D A | Closed | FCRE5116 | 2025-06-10 08:22 | 2025-06-12 14:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received VOR and payment verification. - Due Diligence Vendor-06/12/2025 <br>Ready for Review-Document Uploaded. VOR Uploaded - Buyer-06/10/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Rent (VOR) with lease and cancelled checks or bank statements showing timely payments, If was/is renting from a management company, obtain a fully executed VOR. Otherwise, obtain the most recent lease, along with payment history ledger from management company, canceled checks front and back OR bank statements - Due Diligence Vendor-06/10/2025 |  | Resolved-Received VOR and payment verification. - Due Diligence Vendor-06/12/2025<br>| LTV is less than guideline maximum - LTV 70%; max 80%.<br>Months Reserves exceed minimum required - 657 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4392593 |
| XXXX | XXXX | 9156990 D A | Closed | FCRE5790 | 2025-06-10 11:55 | 2025-06-12 14:11 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap Report. - Due Diligence Vendor-06/12/2025 <br>Ready for Review-Document Uploaded. udn doesn't have an end date was monitored thru closing - ill pull report showing updated end date / ENDED UDN<br>- Buyer-06/10/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). > 10 days from closing. <br> - Due Diligence Vendor-06/10/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-06/12/2025<br>| LTV is less than guideline maximum - LTV 70%; max 80%.<br>Months Reserves exceed minimum required - 657 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4396078 |
| XXXX | XXXX | 9156990 D A | Closed | FCRE8701 | 2025-06-06 11:49 | 2025-06-12 14:08 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. business entity docs<br> - Seller-06/10/2025 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Mortgage signed in name of business, XXXX Missing EIN Number - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. business entity docs<br> - Seller-06/10/2025<br>| Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-06/12/2025<br>| LTV is less than guideline maximum - LTV 70%; max 80%.<br>Months Reserves exceed minimum required - 657 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4362296 |
| XXXX | XXXX | 9156991 D A | Closed | FCRE0969 | 2025-06-18 17:39 | 2025-06-25 12:26 | Resolved | 1 - Information C A | Credit | Closing | Prepayment Penalty Issue | Resolved-Received corrected payment penalty note addendum and rider along with intent to re record. - Due Diligence Vendor-06/25/2025 <br>Ready for Review-Document Uploaded. corrected note and rider to be shipped to custodian and recorder - Seller-06/24/2025 <br>Open-The prepay addendum to the Note and the prepay Rider to the Mortgage do not indicate the prepayment term. N/A is in the place of the prepay term and needs to be updated to the correct number of months. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. corrected note and rider to be shipped to custodian and recorder - Seller-06/24/2025<br>| Resolved-Received corrected payment penalty note addendum and rider along with intent to re record. - Due Diligence Vendor-06/25/2025<br>| Months Reserves exceed minimum required - 701 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 70%; max 80%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4493825 |
| XXXX | XXXX | 9156991 D A | Closed | FCRE8701 | 2025-06-10 09:25 | 2025-06-17 12:44 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-The EIN was provided. - Due Diligence Vendor-06/17/2025 <br>Counter-Received business entity documentation. Missing EIN from IRS. - Due Diligence Vendor-06/11/2025 <br>Ready for Review-Document Uploaded. business entity docs - Seller-06/10/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing all LLC docs to meet guide - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. business entity docs - Seller-06/10/2025<br>| Resolved-The EIN was provided. - Due Diligence Vendor-06/17/2025<br>| Months Reserves exceed minimum required - 701 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 70%; max 80%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4393398 |
| XXXX | XXXX | 9156991 D A | Closed | FCOM1352 | 2025-06-10 11:00 | 2025-06-17 12:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-06/16/2025 <br>Ready for Review-Document Uploaded. Business Purpose Affidavit Uploaded<br> - Seller-06/12/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Vested in business entity, BP affidavit is required, occupancy affidavit only in file. - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. Business Purpose Affidavit Uploaded<br> - Seller-06/12/2025<br>| Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-06/16/2025<br>| Months Reserves exceed minimum required - 701 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 70%; max 80%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4394841 |
| XXXX | XXXX | 9156991 D A | Closed | FCRE5116 | 2025-06-10 10:06 | 2025-06-11 14:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received VOR and proof of payments. - Due Diligence Vendor-06/11/2025 <br>Ready for Review-Document Uploaded. VOR ATTATCHED AND BANK STATEMENT VERIFYING RENT PAYMENTS WITH LOE FOR RENT PAYMENTS - Seller-06/10/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing full 12 month VOR/proof of payments to meet guidelines. - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. VOR ATTATCHED AND BANK STATEMENT VERIFYING RENT PAYMENTS WITH LOE FOR RENT PAYMENTS - Seller-06/10/2025<br>| Resolved-Received VOR and proof of payments. - Due Diligence Vendor-06/11/2025<br>| Months Reserves exceed minimum required - 701 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 70%; max 80%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4393969 |
| XXXX | XXXX | 9190383 D B A | Closed | FCRE1339 | 2025-06-19 16:37 | 2026-01-28 14:38 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Personal Bank Statements Missing | Waived-Client exception granted to allow missing current proof of receipt - following XXXX. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. Exception request and approval - Seller-07/08/2025 <br>Counter-Received duplicate documentation-original finding remains. - Due Diligence Vendor-06/24/2025 <br>Ready for Review-Document Uploaded. income - Seller-06/23/2025 <br>Open-Borrower 1 Personal Bank Statements Missing Retirement income used to qualify per lender guides Most recent two (2) months bank statements showing deposit of funds are required. - Due Diligence Vendor-06/19/2025 | Ready for Review-Document Uploaded. Exception request and approval - Seller-07/08/2025 <br>Ready for Review-Document Uploaded. income - Seller-06/23/2025<br>| Waived-Client exception granted to allow missing current proof of receipt - following XXXX. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-07/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - 727 FICO, 660 required<br>Months Reserves exceed minimum required - 32 months reserves documented, 3 months required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 4504012 |
| XXXX | XXXX | 9190383 D B A | Closed | FCRE1148 | 2025-06-19 07:58 | 2025-06-27 10:09 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-06/27/2025 <br>Ready for Review-Document Uploaded. title - Buyer-06/26/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing evidence of sufficient coverage for loan amount. - Due Diligence Vendor-06/19/2025 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-06/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 727 FICO, 660 required<br>Months Reserves exceed minimum required - 32 months reserves documented, 3 months required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4496725 |
| XXXX | XXXX | 9190383 D B A | Closed | FPRO1249 | 2025-06-19 08:04 | 2025-06-19 16:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Originator waiver applied to non material finding with comp factors originator guidelines cash out on rural properties is not allowed. Client matrix allows rural properties up to 20 acres. Subject loan is less than XXXX acres. - Due Diligence Vendor-06/19/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Per originator guidelines cash out on rural properties is not allowed. - Due Diligence Vendor-06/19/2025 |  | Waived-Originator waiver applied to non material finding with comp factors originator guidelines cash out on rural properties is not allowed. Client matrix allows rural properties up to XXXX acres. Subject loan is less than XXXX acres. - Due Diligence Vendor-06/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - 727 FICO, 660 required<br>Months Reserves exceed minimum required - 32 months reserves documented, 3 months required |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 4496772 |
| XXXX | XXXX | 9190383 D B A | Closed | FCOM5135 | 2025-06-17 13:37 | 2025-06-17 14:38 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-06/17/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-06/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 727 FICO, 660 required<br>Months Reserves exceed minimum required - 32 months reserves documented, 3 months required |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 4475079 |
| XXXX | XXXX | 9196979 D A | Closed | FCRE0360 | 2025-07-02 23:02 | 2025-08-01 10:00 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Received acceptable LOE signed by the borrower. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Updated signed LOE - Buyer-07/30/2025 <br> Counter-Received LOE from borrower confirming no ownership in primary rental and no relationship-provide additional documentation supporting no relationship with owner of primary rental. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Requested LOE added to file<br> 1) For primary residence, it appears the borrower's family member owns this home so the borrower should address this in the LOX (no relation to owner). <br> 2) For XXXX undisclosed property, it is currently owned by someone with the same name. Age on People search alone is not enough to cure. An LOX from the borrower confirming this is not his property will be needed to clear. - Buyer-07/25/2025 <br> Counter-Internet Search to support the Management Company provided. Please provide the documentation to support the cleared Undisclosed REO reporting on the fraud report. Comments state verified 1003, which is insufficient - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. VOR - per letter, attached is XXXX Search to verify XXXX - Buyer-07/09/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Per guides, Acceptable housing history requires evidence that a borrower has made a housing payment for at least the last 12 months. For rental payments:<br> •If was/is renting from a private party, obtain either a fully executed VOR OR the most recent lease for the property address in question. In either case, verification of timely payments made is required (either canceled checks front and back OR bank statements showing account ownership and payments debited by landlord).<br> •If was/is renting from a management company, obtain a fully executed VOR. Otherwise, obtain the most recent lease, along with payment history ledger from management company, canceled checks front and back OR bank statements showing account ownership and payments debited by management company.<br> The loan file is missing a fully executed VOR. Although a letter from a management company was provided, the management company was not verified in the loan file. Further, it should be noted that the fraud report reflects the borrower's current residence where they rent is owned by a relative. It should also be known that the fraud report reflected an undisclosed property that was not listed on the loan applications. An online people search in file shows the borrower currently resides at the undisclosed residence. Additional conditions may apply. - Due Diligence Vendor-07/03/2025 |  | Resolved-Received acceptable LOE signed by the borrower. - Due Diligence Vendor-08/01/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $25,847.91 in residual income, $1,500 minimum reqiuired.<br>Qualifying FICO score is at least 20 points above minimum for program - 788 qualifying FICO score, 680 minimum score required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4645868 |
| XXXX | XXXX | 9196979 D A | Closed | FCOM1351 | 2025-07-02 21:08 | 2025-07-18 10:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. Personal Guaranty Agreement attached - Buyer-07/17/2025 <br>Counter-Guarantee Agreement was not located in the provided documents. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. Personal Guaranty located in executed closing package pages 8-9 attached. - Buyer-07/09/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Loan file is missing the required Personal Guaranty for a business purpose loan with a vested entity. Additional conditions may apply. - Due Diligence Vendor-07/03/2025 |  | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-07/18/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $25,847.91 in residual income, $1,500 minimum reqiuired.<br>Qualifying FICO score is at least 20 points above minimum for program - 788 qualifying FICO score, 680 minimum score required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4645387 |
| XXXX | XXXX | 9196979 D A | Closed | FCRE1317 | 2025-07-02 22:27 | 2025-07-17 12:06 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Received dated SOS and Operating agreement confirm ownership percentage and term exceeding 24 months of ownership. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. SOS and OA (OA was delivered with the loan file) - Seller-07/16/2025 <br> Counter-Documentation is insufficient-if using alternate documentation other than CPA letter-Operating Agreement and dated Department of state required. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Comments: See attached verification from the third party of XXXX Department of Division of Corporations shows initially filed in XXXX, and Entity Status "Active". Also Attached Reinstated OA "XXXX"in file indicates Self Employed over 24 mos. since XXXX XXXX - Buyer-07/11/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Missing verification of 24 months of self-employment via a CPA letter, business entity search/corporate filings, etc. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. SOS and OA (OA was delivered with the loan file) - Seller-07/16/2025<br>| Resolved-Received dated SOS and Operating agreement confirm ownership percentage and term exceeding 24 months of ownership. - Due Diligence Vendor-07/17/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $25,847.91 in residual income, $1,500 minimum reqiuired.<br>Qualifying FICO score is at least 20 points above minimum for program - 788 qualifying FICO score, 680 minimum score required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4645649 |
| XXXX | XXXX | 9196979 D A | Closed | FCRE1316 | 2025-07-02 22:27 | 2025-07-17 12:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received dated SOS sufficient for VVOE. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. SOS showing active - Buyer-07/16/2025 <br> Counter-Received screen shot of Department of State-missing date. Please provide VVOE with date verified - signed and dated. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Comments: See attached verification from the third party of XXXX Department of Division of Corporations shows initially filed in XXXX, and Entity Status "Active". Also Attached Reinstated OA "XXXX"in file indicates Self Employed over 24 mos. since XXXX. - Buyer-07/11/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Documentation to verify the borrower's business was active and in good standing was required and missing from loan file. Additional conditions may apply. - Due Diligence Vendor-07/03/2025 |  | Resolved-Received dated SOS sufficient for VVOE. - Due Diligence Vendor-07/17/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $25,847.91 in residual income, $1,500 minimum reqiuired.<br>Qualifying FICO score is at least 20 points above minimum for program - 788 qualifying FICO score, 680 minimum score required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4645648 |
| XXXX | XXXX | 9196979 D A | Closed | FCRE1204 | 2025-07-02 23:16 | 2025-07-14 12:37 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received supporting documentation confirming borrower has not ownership in property noted on fraud report. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Please note the underwriter provided the People report to clarify whether XXXX owned the Property located at XXXX. The underwriter confirmed and cleared the Fraud report because this is not our borrower due to the Age of XXXX on People report. Our borrower's age is XXXX which is not a match. Furthermore, I have provided the Verification of the Property management company's website where XXXX currently has been living at XXXX since XXXX, per our VOR letter provide by XXXX. - Buyer-07/11/2025 <br> Open-Fraud Report Shows Uncleared Alerts The fraud report reflected a possible undisclosed liability or property. The underwriter's response to clear was "Varfied (sic) 1003." However, the Ownership section of the fraud report reflects this undisclosed property is currently owned by the borrower. Additionally, an online people search in file shows the borrower is listed as an individual who currently resides at the property. The loan file is missing a property report (or other legal documentation) to verify the REO section of the loan application is accurate and the borrower does not own any other properties other than the subject property, in order to clear the alert. Additional conditions may apply. - Due Diligence Vendor-07/03/2025 |  | Resolved-Received supporting documentation confirming borrower has not ownership in property noted on fraud report. - Due Diligence Vendor-07/14/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $25,847.91 in residual income, $1,500 minimum reqiuired.<br>Qualifying FICO score is at least 20 points above minimum for program - 788 qualifying FICO score, 680 minimum score required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4645882 |
| XXXX | XXXX | 9196979 D A | Closed | FCRE7497 | 2025-07-02 23:20 | 2025-07-14 12:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received sufficient documentation confirm not one in the same. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Please note the underwriter provided the People report to clarify whether XXXX owned the Property located at XXXX. The underwriter confirmed and cleared the Fraud report because this is not our borrower due to the Age of XXXX on People report. Our borrower's age is XXXX which is not a match. Furthermore, I have provided the Verification of the Property management company's website where XXXX currently has been living at XXXX since XXXX, per our VOR letter provide by XXXX. - Buyer-07/11/2025 <br> Open-Per fraud report, the borrower owns a property not listed on the loan applications. Documentation to verify the property taxes and insurance, along with any assessments is missing from the loan file. Additionally, a property detail report, including a copy of a lien release for the XXXX loan that secured this property, should be obtained to verify the borrower is not responsible for repayment of any liens on the property. Additional conditions may apply. - Due Diligence Vendor-07/03/2025 |  | Resolved-Received sufficient documentation confirm not one in the same. - Due Diligence Vendor-07/14/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $25,847.91 in residual income, $1,500 minimum reqiuired.<br>Qualifying FICO score is at least 20 points above minimum for program - 788 qualifying FICO score, 680 minimum score required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4645989 |
| XXXX | XXXX | 9196979 D A | Closed | FCRE1198 | 2025-07-02 23:46 | 2025-07-10 14:05 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 15.21 month(s) are greater than or equal to Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-07/10/2025 <br> Open-Audited Reserves of 7.64 month(s) are less than Guideline Required Reserves of 9 month(s) The borrowers' verified business assets that were allowed to be utilized per guides (via CPA letter, access letter, percentage ownership) were not sufficient to cover the minimum 9 months of reserves required for loans exceeding XXXX. As a result, the borrower was short 1.37 months of PITI reserves. - Due Diligence Vendor-07/03/2025 |  | Resolved-Audited Reserves of 15.21 month(s) are greater than or equal to Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-07/10/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $25,847.91 in residual income, $1,500 minimum reqiuired.<br>Qualifying FICO score is at least 20 points above minimum for program - 788 qualifying FICO score, 680 minimum score required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4646055 |
| XXXX | XXXX | 9212925 C A | Closed | FCRE0109 | 2025-07-08 15:47 | 2025-07-11 14:13 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - Patriot Act Borrower Identification Form | Resolved-Received photo id. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. DL - Buyer-07/10/2025 <br>Open-Missing Disclosure - Patriot Act Borrower Identification Form. Missing Patriot Act Borrower Identification Form. - Due Diligence Vendor-07/08/2025 |  | Resolved-Received photo id. - Due Diligence Vendor-07/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 795; guideline minimum is 700.<br>Months Reserves exceed minimum required - The Borrower has reserves in the amount of 17.52 months; guideline minimum is 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4738608 |
| XXXX | XXXX | 9212952 D A | Closed | FCRE1510 | 2025-07-08 10:53 | 2025-08-14 12:25 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Legal description provided. - Due Diligence Vendor-08/12/2025 <br>Counter-Please provide complete security instrument with legal description attached within. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. Legal that will be used at recordation.<br> - Buyer-08/05/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing required attached Legal Description - Due Diligence Vendor-07/08/2025 |  | Resolved-Legal description provided. - Due Diligence Vendor-08/12/2025<br>| Months Reserves exceed minimum required - 14.13 months of PITI reserves from cashout refinance, 3 months minimum reserves required.<br>DSCR % greater than 1.20 - DSCR % is 1.253 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4723458 |
| XXXX | XXXX | 9212952 D A | Closed | FCRE1440 | 2025-07-10 14:17 | 2025-08-12 15:42 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the primary housing history is reporting on credit through XXXX. VOM confirms the tradeline on credit is the primary housing payment. - Due Diligence Vendor-08/12/2025 <br> Counter-Received duplicate documentation-mortgage inquiry from servicer-provide acceptable VOM meeting 5.5.4 of guidelines. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. Supporting Doc - Seller-07/22/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing verification of mortgage payments for the primary - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. Supporting Doc - Seller-07/22/2025<br>| Resolved-After further review, the primary housing history is reporting on credit through XXXX. VOM confirms the tradeline on credit is the primary housing payment. - Due Diligence Vendor-08/12/2025 | Months Reserves exceed minimum required - 14.13 months of PITI reserves from cashout refinance, 3 months minimum reserves required.<br>DSCR % greater than 1.20 - DSCR % is 1.253 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4770214 |
| XXXX | XXXX | 9212952 D A | Closed | FCRE0070 | 2025-07-10 12:49 | 2025-08-12 15:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Upon further review the Approval/Underwriting Summary was located in the loan file. - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Lender approval starts on page 133 of loan file delivered - Buyer-07/15/2025 <br>Open-Missing Approval/Underwriting Summary A loan approval and/or Underwriting Summary to verify how the loan was closed, is/are missing from the loan file. - Due Diligence Vendor-07/10/2025 |  | Resolved-Upon further review the Approval/Underwriting Summary was located in the loan file. - Due Diligence Vendor-07/17/2025<br>| Months Reserves exceed minimum required - 14.13 months of PITI reserves from cashout refinance, 3 months minimum reserves required.<br>DSCR % greater than 1.20 - DSCR % is 1.253 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4767846 |
| XXXX | XXXX | 9212952 D A | Closed | FCRE1206 | 2025-07-10 12:14 | 2025-07-24 12:20 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received clearance on all parties. - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. Supporting Doc - Buyer-07/22/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Per guides, Watchlists verifications compare all participants names to industry and lender exclusionary lists to identify high risk participants. For refinances, the borrowers, entities holding title and all owners, closing attorney/title agent, originator and loan officer should be included in the searches. The fraud report reflects only the borrower was included in the Watchlists search. - Due Diligence Vendor-07/10/2025 |  | Resolved-Received clearance on all parties. - Due Diligence Vendor-07/24/2025<br>| Months Reserves exceed minimum required - 14.13 months of PITI reserves from cashout refinance, 3 months minimum reserves required.<br>DSCR % greater than 1.20 - DSCR % is 1.253 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4767148 |
| XXXX | XXXX | 9216983 C A | Closed | FCRE1510 | 2025-07-16 16:55 | 2025-07-22 12:52 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. legal - Buyer-07/21/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- missing legal - Due Diligence Vendor-07/16/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 740; minimum required 700.<br>Months Reserves exceed minimum required - 20 months PITIA reserves; 12 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4843283 |
| XXXX | XXXX | 9201258 D B A | Closed | FCOM1267 | 2025-07-23 08:08 | 2025-07-23 15:43 | Waived | 2 - Non-Material D B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is XXXX and Occupancy is Primary Residence). Received acknowledgement of receipt of homeownership counseling organization list with CFPB website included, finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-10/13/2025 |  | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is XXXX and Occupancy is Primary Residence). Received acknowledgement of receipt of homeownership counseling organization list with CFPB website included, finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-10/13/2025 | On time mortgage history exceeds guideline requirement - Min 12 months, actual 31 months 0x30<br>Qualifying FICO score is at least 20 points above minimum for program - Min 720, actual 788<br>LTV is less than guideline maximum - Max 85%, actual 58.74% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 4915366 |
| XXXX | XXXX | 9201258 D B A | Closed | FCRE1198 | 2025-07-20 12:43 | 2025-07-23 11:30 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received updated assets. - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. assets - Buyer-07/21/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Short reserves - Due Diligence Vendor-07/20/2025 |  | Resolved-Received updated assets. - Due Diligence Vendor-07/23/2025<br>| On time mortgage history exceeds guideline requirement - Min 12 months, actual 31 months 0x30<br>Qualifying FICO score is at least 20 points above minimum for program - Min 720, actual 788<br>LTV is less than guideline maximum - Max 85%, actual 58.74% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4880888 |
| XXXX | XXXX | 9201258 D B A | Closed | FCRE0070 | 2025-07-20 12:43 | 2025-07-23 11:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received 1008 - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. 1008 - Buyer-07/21/2025 <br>Open-Missing Approval/Underwriting Summary Missing from loan file - Due Diligence Vendor-07/20/2025 |  | Resolved-Received 1008 - Due Diligence Vendor-07/23/2025<br>| On time mortgage history exceeds guideline requirement - Min 12 months, actual 31 months 0x30<br>Qualifying FICO score is at least 20 points above minimum for program - Min 720, actual 788<br>LTV is less than guideline maximum - Max 85%, actual 58.74% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4880889 |
| XXXX | XXXX | 9201258 D B A | Closed | FCRE9501 | 2025-07-20 12:35 | 2025-07-23 11:30 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received updated assets. - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. assets - Seller-07/21/2025 <br>Open-Total Qualified Assets Post-Close amount is '$-18637.15'. Assets are Insufficient. Short assets to close - Due Diligence Vendor-07/20/2025 | Ready for Review-Document Uploaded. assets - Seller-07/21/2025<br>| Resolved-Received updated assets. - Due Diligence Vendor-07/23/2025<br>| On time mortgage history exceeds guideline requirement - Min 12 months, actual 31 months 0x30<br>Qualifying FICO score is at least 20 points above minimum for program - Min 720, actual 788<br>LTV is less than guideline maximum - Max 85%, actual 58.74% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4880877 |
| XXXX | XXXX | 9201258 D B A | Closed | FCRE1479 | 2025-07-20 12:35 | 2025-07-23 11:30 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received updated assets. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. recent statements - Buyer-07/21/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Bank statement is not within 30 days of application date XXXX - Due Diligence Vendor-07/20/2025 |  | Resolved-Received updated assets. - Due Diligence Vendor-07/23/2025<br>| On time mortgage history exceeds guideline requirement - Min 12 months, actual 31 months 0x30<br>Qualifying FICO score is at least 20 points above minimum for program - Min 720, actual 788<br>LTV is less than guideline maximum - Max 85%, actual 58.74% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4880875 |
| XXXX | XXXX | 9201258 D B A | Closed | FCRE1480 | 2025-07-20 12:35 | 2025-07-23 11:30 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received updated assets. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. Recent statements - Seller-07/21/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Bank statement is not within 30 days of application date XXXX - Due Diligence Vendor-07/20/2025 | Ready for Review-Document Uploaded. Recent statements - Seller-07/21/2025<br>| Resolved-Received updated assets. - Due Diligence Vendor-07/23/2025<br>| On time mortgage history exceeds guideline requirement - Min 12 months, actual 31 months 0x30<br>Qualifying FICO score is at least 20 points above minimum for program - Min 720, actual 788<br>LTV is less than guideline maximum - Max 85%, actual 58.74% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4880876 |
| XXXX | XXXX | 9201258 D B A | Closed | FCRE1241 | 2025-07-20 12:11 | 2025-07-23 11:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received ratified purchase contract. - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. Purchase Contract - Buyer-07/21/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. Missing from loan files - Due Diligence Vendor-07/20/2025 |  | Resolved-Received ratified purchase contract. - Due Diligence Vendor-07/23/2025<br>| On time mortgage history exceeds guideline requirement - Min 12 months, actual 31 months 0x30<br>Qualifying FICO score is at least 20 points above minimum for program - Min 720, actual 788<br>LTV is less than guideline maximum - Max 85%, actual 58.74% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4880821 |
| XXXX | XXXX | 9201258 D B A | Closed | FPRO1253 | 2025-07-20 12:11 | 2025-07-23 11:25 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. SSR's and UW memo "collateral" section - Seller-07/21/2025 <br>Open-Additional valuation product has not been provided. Missing from loan files - Due Diligence Vendor-07/20/2025 | Ready for Review-Document Uploaded. SSR's and UW memo "collateral" section - Seller-07/21/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-07/23/2025<br>| On time mortgage history exceeds guideline requirement - Min 12 months, actual 31 months 0x30<br>Qualifying FICO score is at least 20 points above minimum for program - Min 720, actual 788<br>LTV is less than guideline maximum - Max 85%, actual 58.74% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4880822 |
| XXXX | XXXX | 9201258 D B A | Closed | FCOM1266 | 2025-07-16 14:46 | 2025-07-23 08:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Acknowledgement of Receipt of RESPA'S Homeownership Counseling Organizations list - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. Home Counseling - Seller-07/21/2025 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. Home Counseling - Seller-07/21/2025<br>| Resolved-Received Acknowledgement of Receipt of RESPA'S Homeownership Counseling Organizations list - Due Diligence Vendor-07/23/2025<br>| On time mortgage history exceeds guideline requirement - Min 12 months, actual 31 months 0x30<br>Qualifying FICO score is at least 20 points above minimum for program - Min 720, actual 788<br>LTV is less than guideline maximum - Max 85%, actual 58.74% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4840708 |
| XXXX | XXXX | 9201258 D B A | Closed | FCOM1978 | 2025-07-16 15:24 | 2025-07-23 08:09 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-Received executed ITP, finding resolved. - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. Intent to Proceed - Buyer-07/21/2025 <br>Open-Missing Intent to Proceed - Due Diligence Vendor-07/16/2025 |  | Resolved-Received executed ITP, finding resolved. - Due Diligence Vendor-07/23/2025<br>| On time mortgage history exceeds guideline requirement - Min 12 months, actual 31 months 0x30<br>Qualifying FICO score is at least 20 points above minimum for program - Min 720, actual 788<br>LTV is less than guideline maximum - Max 85%, actual 58.74% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4841543 |
| XXXX | XXXX | 9201258 D B A | Closed | FCOM5135 | 2025-07-16 16:02 | 2025-07-16 16:20 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/16/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/16/2025<br>| On time mortgage history exceeds guideline requirement - Min 12 months, actual 31 months 0x30<br>Qualifying FICO score is at least 20 points above minimum for program - Min 720, actual 788<br>LTV is less than guideline maximum - Max 85%, actual 58.74% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | 4842235 |
| XXXX | XXXX | 9212938 C B A | Closed | FCRE8201 | 2025-07-22 19:09 | 2025-09-15 12:50 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received revised lock as cash out. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. XXXX lock confirmation confirming loan purpose change to cash out - Seller-09/12/2025 <br> Counter-Received Conditional Approval indication no cash out. Please provide documents to resolve initial findings. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-09/11/2025 <br> Counter-Subject is New Construction and Paying off part of a blanket mortgage, making the transaction a cash-out refinance. Possible builder bail-out - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. This loan is not a construction to perm. Please provide clarification. - Buyer-08/05/2025 <br> Open-1. Transaction is a construction to perm, which is ineligible per guidelines.<br> 2. Paying off a portion of a blanket mortgage, making transaction a cash-out refinance<br> 3. Possible builder bail-out - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. XXXX lock confirmation confirming loan purpose change to cash out - Seller-09/12/2025 | Resolved-Received revised lock as cash out. - Due Diligence Vendor-09/15/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Min $1,500, actual 6,283.26<br>Months Reserves exceed minimum required - Min 0, actual 24.12<br>Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 714<br>LTV is less than guideline maximum - Max 80%, actual 44.70%<br>Verified employment history exceeds guidelines - Min 2 years, actual 8 years |  | 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 | 4912957 |
| XXXX | XXXX | 9212938 C B A | Closed | FCRE5790 | 2025-07-22 11:57 | 2025-09-11 16:25 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-The gap report provide dis dated XXXX with an alert dated XXXX - Due Diligence Vendor-09/11/2025 <br> Counter-Received duplicate gap report dated XXXX-please provide gap credit report within 10 days of closing or after. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-08/28/2025 <br> Counter-Gap report provide is not dated within 10 days. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-08/12/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Over 10 day requirement - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-08/28/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-08/12/2025<br>| Resolved-The gap report provide dis dated XXXX with an alert dated XXXX - Due Diligence Vendor-09/11/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - Min $1,500, actual 6,283.26<br>Months Reserves exceed minimum required - Min 0, actual 24.12<br>Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 714<br>LTV is less than guideline maximum - Max 80%, actual 44.70%<br>Verified employment history exceeds guidelines - Min 2 years, actual 8 years |  | 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 | 4904737 |
| XXXX | XXXX | 9212938 C B A | Closed | FCRE0108 | 2025-07-22 11:33 | 2025-08-12 12:53 | Resolved | 1 - Information C A | Credit | Insurance | XXXX Coverage not met | Resolved-After further review, the XXXX coverage is not required on 20 units or less. The subject is 3 units. - Due Diligence Vendor-08/12/2025 <br>Open-XXXX Coverage not met. Not reflected on Master HOI policy - Due Diligence Vendor-07/22/2025 |  | Resolved-After further review, the XXXX coverage is not required on 20 units or less. The subject is 3 units. - Due Diligence Vendor-08/12/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Min $1,500, actual 6,283.26<br>Months Reserves exceed minimum required - Min 0, actual 24.12<br>Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 714<br>LTV is less than guideline maximum - Max 80%, actual 44.70%<br>Verified employment history exceeds guidelines - Min 2 years, actual 8 years |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4904150 |
| XXXX | XXXX | 9212938 C B A | Closed | FCRE1440 | 2025-07-22 12:16 | 2025-08-12 12:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client waiver applied to non-material finding with compensating factors. Borrower living rent free with XXXX through the construction of her primary residence (subject).<br> completion XXXX. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Exception request and approval were delivered with the loan file. Please advise what is needed to waive. - Buyer-08/12/2025 <br> Open-Housing History Does Not Meet Guideline Requirements No housing payment: Borrower living rent free with XXXX through the construction of her primary residence (subject) completion XXXX. Email approval in file - Due Diligence Vendor-07/22/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Borrower living rent free with XXXXthrough the construction of her primary residence (subject).<br> completion XXXX. - Due Diligence Vendor-08/12/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - Min $1,500, actual 6,283.26<br>Months Reserves exceed minimum required - Min 0, actual 24.12<br>Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 714<br>LTV is less than guideline maximum - Max 80%, actual 44.70%<br>Verified employment history exceeds guidelines - Min 2 years, actual 8 years | Credit score 714<br> DTI 49%<br> Employment Stability Stable<br> Reserves 3+<br> Residual Income $6,000<br> Credit history 0x30<br> Credit profile acceptable |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 4905114 |
| XXXX | XXXX | 9212938 C B A | Closed | FCOM5135 | 2025-07-18 13:25 | 2025-07-18 13:30 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material finding. - Due Diligence Vendor-07/18/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material finding. - Due Diligence Vendor-07/18/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Min $1,500, actual 6,283.26<br>Months Reserves exceed minimum required - Min 0, actual 24.12<br>Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 714<br>LTV is less than guideline maximum - Max 80%, actual 44.70%<br>Verified employment history exceeds guidelines - Min 2 years, actual 8 years |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 4871415 |
| XXXX | XXXX | 9196981 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 9201282 D B A | Closed | FCRE8201 | 2025-07-26 12:03 | 2025-10-27 16:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted "add finding", waiver applied with reviewed compactors - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. Exception approval - Buyer-08/21/2025 <br> Counter-Corrected-received exception request for non-arms length-missing client approval of exception. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-08/04/2025 <br> Open-Borrower owns brokerage making offer on subject property - sales priced XXXX appraisal value XXXX price within reason as seller will remain in posession with no cost to seller and to find replacement property.<br> see purchase contract page pdf 538- stated the seller will have up to 10 days to vacate the property after the close of escrow at no cost to seller. - Due Diligence Vendor-07/26/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-08/04/2025<br>| Waived-Client exception granted "add finding", waiver applied with reviewed compactors - Due Diligence Vendor-08/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 751; minimum score 700.<br>Months Reserves exceed minimum required - 117.53 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 4957749 |
| XXXX | XXXX | 9201282 D B A | Closed | FCRE8701 | 2025-07-26 11:33 | 2025-10-23 12:44 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-08/26/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-08/25/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing Tax EIN Number per Eresi guidelines. - Due Diligence Vendor-07/26/2025 |  | Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-08/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 751; minimum score 700.<br>Months Reserves exceed minimum required - 117.53 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4957681 |
| XXXX | XXXX | 9201282 D B A | Closed | FCOM1351 | 2025-07-28 11:26 | 2025-10-23 12:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received personal guaranty agreement. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-10/22/2025 <br> Counter-Received guaranty agreement executed as XXXX-personal guaranty agreement executed as individual only required. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. Personal Guaranty - Seller-09/12/2025 <br> Counter-Received blank, non executed personal guaranty-finding remains. Missing complete, executed Personal Guaranty. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-08/04/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing Guaranty agreement - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. Personal Guaranty - Seller-09/12/2025<br>| Resolved-Received personal guaranty agreement. - Due Diligence Vendor-10/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 751; minimum score 700.<br>Months Reserves exceed minimum required - 117.53 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4965773 |
| XXXX | XXXX | 9201282 D B A | Closed | FCRE1440 | 2025-07-26 12:14 | 2025-08-26 09:45 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Substitution of Trustee and Full Reconveyance. - Due Diligence Vendor-08/26/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-08/25/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing Satisfaction of Release primary residence is paid in full see pdg867. - Due Diligence Vendor-07/26/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-08/25/2025<br>| Resolved-Received Substitution of Trustee and Full Reconveyance. - Due Diligence Vendor-08/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 751; minimum score 700.<br>Months Reserves exceed minimum required - 117.53 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4957773 |
| XXXX | XXXX | 9201282 D B A | Closed | FCRE1194 | 2025-07-28 11:35 | 2025-08-26 09:42 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-After further review, the DSCR of .995 is rounded to 1, max LTV is 80%. - Due Diligence Vendor-08/21/2025 <br>Counter-Received duplicate HOI--audit DSCR calculation is 0.995%-finding remains. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Seller-08/04/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Lender calculated DSCR based on lower HOI Premium. Premium verified higher DSCR < 1% - Max LTV 75% - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. Supporting Documents - Seller-08/04/2025<br>| Resolved-After further review, the DSCR of .995 is rounded to 1, max LTV is 80%. - Due Diligence Vendor-08/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 751; minimum score 700.<br>Months Reserves exceed minimum required - 117.53 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4965920 |
| XXXX | XXXX | 9201282 D B A | Closed | FCRE1151 | 2025-07-26 11:47 | 2025-08-26 09:41 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received 24 month chain of title. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-08/04/2025 <br>Open-Unsatisfactory Chain of Title provided. 18 months PITIA reserves; 6 months reserves required. Missing 24 months chain of title. - Due Diligence Vendor-07/26/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-08/04/2025<br>| Resolved-Received 24 month chain of title. - Due Diligence Vendor-08/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 751; minimum score 700.<br>Months Reserves exceed minimum required - 117.53 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4957711 |
| XXXX | XXXX | 9201282 D B A | Closed | FCRE1248 | 2025-07-26 12:00 | 2025-07-28 11:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived-Client exception granted to allow non-arms length transaction, Non-materialwaiver applied with comp factors. non-material due to Borrower owns XXXX. - Due Diligence Vendor-07/28/2025 <br> Open-Non-Arm's Length Transactions Not Allowed for Program Lender Exception for Non Arms Length XXXX<br> - Due Diligence Vendor-07/26/2025 |  | Waived-Client exception granted to allow non-arms length transaction, Non-materialwaiver applied with comp factors. non-material due to Borrower owns XXXX - Due Diligence Vendor-07/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 751; minimum score 700.<br>Months Reserves exceed minimum required - 117.53 months PITIA reserves; 3 months reserves required. | credit score 51 points above<br> 0x300x36 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 4957747 |
| XXXX | XXXX | 9216992 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9217000 D A | Closed | FCRE0043 | 2025-07-31 12:56 | 2025-08-06 12:09 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. DSCR - Buyer-08/05/2025 <br>Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation. - Due Diligence Vendor-07/31/2025 |  | Resolved-Received DSCR calculation. - Due Diligence Vendor-08/06/2025<br>| Months Reserves exceed minimum required - Reserves: 60 Min 3<br>On time mortgage history exceeds guideline requirement - On time mortgage history 32 months exceeds guideline requirement |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5009846 |
| XXXX | XXXX | 9226537 C A | Closed | FCRE9488 | 2025-07-31 14:49 | 2025-08-04 11:51 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Received UW cert attesting Yes was marked in error. Loan file has sufficient documentation to support non-owner occupied.<br> - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-08/01/2025 <br>Open-Co-borrower's 1003, p. 368, reflects the they will occupy the property as their primary residence, which is not allowed on a DSCR program. Additional finding may apply. - Due Diligence Vendor-07/31/2025 |  | Resolved-Received UW cert attesting Yes was marked in error. Loan file has sufficient documentation to support non-owner occupied.<br> - Due Diligence Vendor-08/04/2025<br>| Months Reserves exceed minimum required - Reserves: 170 Min 3 [of which 68.96 own funds)<br>On time mortgage history exceeds guideline requirement - On time mortgage history 61 months exceeds guideline requirement |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5012275 |
| XXXX | XXXX | 9226537 C A | Closed | FCRE8701 | 2025-07-31 13:48 | 2025-08-04 11:46 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-08/01/2025 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing corporate documents, including, but not limited to Articles of Incorporation, Operating Agreement, Formation, Department of Corporations Active/Good Standing, Borrowing Certification, EIN for the following business: XXXX. Other findings may apply upon review of missing documents. - Due Diligence Vendor-07/31/2025 |  | Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-08/04/2025<br>| Months Reserves exceed minimum required - Reserves: 170 Min 3 [of which 68.96 own funds)<br>On time mortgage history exceeds guideline requirement - On time mortgage history 61 months exceeds guideline requirement |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5011037 |
| XXXX | XXXX | 9251214 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 9243486 D A | Closed | FCRE8013 | 2025-08-14 07:22 | 2025-09-05 14:06 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received Revised Approval and Addendum 1. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Seller-09/03/2025 <br> Counter-Received Addendum 2 reflecting purchase price as XXXX with XXXX seller contribution. Review is missing Addendum 1 of purchase contract and corrected 1008 reflecting final purchase price. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. The title company sent me over this - Buyer-09/02/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Contract reflects PP of XXXX; however, Hud-1 indicates a sale price of XXXX. Missing addendum with increase of PP. Audit used purchase price of XXXX to match lender approval of LTV of 80%. Additional conditions may apply - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. Supporting Documents - Seller-09/03/2025<br>| Resolved-Received Revised Approval and Addendum 1. - Due Diligence Vendor-09/05/2025<br>| On time mortgage history exceeds guideline requirement - Min 12, actual 35 & 45 months reviewed 0x30<br>DSCR % greater than 1.20 - DSCR = 1.377 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5173616 |
| XXXX | XXXX | 9243486 D A | Closed | FCOM1351 | 2025-08-15 11:03 | 2025-09-03 11:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received guaranty agreement. - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-09/02/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Partial'. Guaranty agreement provided. Page 6 of guaranty agreement B1 signed as individual. Page 7 B1 signed as sole member of LLC. Guaranty agreement needs to be signed as individual only. - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-09/02/2025<br>| Resolved-Received guaranty agreement. - Due Diligence Vendor-09/03/2025<br>| On time mortgage history exceeds guideline requirement - Min 12, actual 35 & 45 months reviewed 0x30<br>DSCR % greater than 1.20 - DSCR = 1.377 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5192763 |
| XXXX | XXXX | 9243486 D A | Closed | FCRE1151 | 2025-08-14 07:11 | 2025-08-22 09:52 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Upon further review, 24+ months chain of Title was located in the loan file. - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-08/20/2025 <br>Open-Unsatisfactory Chain of Title provided. Guidelines require 24 month chain of title. Title confirms 22 months. - Due Diligence Vendor-08/15/2025 |  | Resolved-Upon further review, 24+ months chain of Title was located in the loan file. - Due Diligence Vendor-08/22/2025<br>| On time mortgage history exceeds guideline requirement - Min 12, actual 35 & 45 months reviewed 0x30<br>DSCR % greater than 1.20 - DSCR = 1.377 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5173532 |
| XXXX | XXXX | 9243486 D A | Closed | FCRE1198 | 2025-08-14 07:54 | 2025-08-22 09:43 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received Settlement Statement for cash out non-subject. Audited Reserves of 7.98 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-08/20/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Assets provided include: Asset Account 1 XXXX dated XXXX, Asset Account 2 XXXX dated XXXX, Asset Account 3 XXXX dated XXXX ,Asset Account 4 XXXX dated XXXX and Asset Account 5 XXXX dated XXXX. Additional asset required. - Due Diligence Vendor-08/14/2025 |  | Resolved-Received Settlement Statement for cash out non-subject. Audited Reserves of 7.98 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-08/22/2025<br>| On time mortgage history exceeds guideline requirement - Min 12, actual 35 & 45 months reviewed 0x30<br>DSCR % greater than 1.20 - DSCR = 1.377 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5173952 |
| XXXX | XXXX | 9243486 D A | Closed | FCRE9501 | 2025-08-14 07:48 | 2025-08-22 09:42 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received Settlement Statement for cash out non-subject - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-08/20/2025 <br> Open-Total Qualified Assets Post-Close amount is 'XXXX'. Assets are Insufficient. Short funds to close by XXXX. Assets provided include: Asset Account 1 XXXX dated XXXX, Asset Account 2 XXXX dated XXXX, Asset Account 3 XXXX dated XXXX ,Asset Account 4 XXXX dated XXXX and Asset Account 5 XXXX dated XXXX. Additional asset required. - Due Diligence Vendor-08/14/2025 |  | Resolved-Received Settlement Statement for cash out non-subject - Due Diligence Vendor-08/22/2025<br>| On time mortgage history exceeds guideline requirement - Min 12, actual 35 & 45 months reviewed 0x30<br>DSCR % greater than 1.20 - DSCR = 1.377 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5173867 |
| XXXX | XXXX | 9243438 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9217010 D B A | Closed | FCRE0108 | 2025-08-19 16:34 | 2025-09-08 14:06 | Resolved | 1 - Information C A | Credit | Insurance | XXXX Coverage not met | Resolved-Received evidence of XXXX coverage. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-09/05/2025 <br> Open-XXXX Coverage not met. XXXX bond coverage; however does not indicate XXXX insurance (or crime insurance) - Due Diligence Vendor-08/19/2025 |  | Resolved-Received evidence of XXXX coverage. - Due Diligence Vendor-09/08/2025<br>| Months Reserves exceed minimum required - Min 3, actual 20.33<br>Qualifying FICO score is at least 20 points above minimum for program - Min 660, actual 683<br>LTV is less than guideline maximum - Min 70%, actual 62.04% |  | 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 | 5239436 |
| XXXX | XXXX | 9217010 D B A | Closed | finding-3634 | 2025-08-22 09:41 | 2025-08-29 08:19 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received PC CD issued XXXX, Copy of Check to Borrower for XXXX, Letter of Explanation and shipping label. Finding Cured. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-08/28/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-08/22/2025 <br> Open-\*\*\*\*NEW\*\*\*\* Zero (0%) tolerance fees increased by XXXX (Appraisal Report and Credit Report) 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 XXXX Final CD includes credit for increase in closing costs above legal limits, XXXX which is insufficient by XXXX. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-08/28/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-08/22/2025<br>| Cured-Received PC CD issued XXXX, Copy of Check to Borrower for XXXX, Letter of Explanation and shipping label. Finding Cured. - Due Diligence Vendor-08/29/2025 | Months Reserves exceed minimum required - Min 3, actual 20.33<br>Qualifying FICO score is at least 20 points above minimum for program - Min 660, actual 683<br>LTV is less than guideline maximum - Min 70%, actual 62.04% |  | 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 | 5279720 |
| XXXX | XXXX | 9217010 D B A | Closed | FPRO1255 | 2025-08-19 17:01 | 2025-08-28 12:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Upon further review, CPM in file is sufficient. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. Please be advised, per XXXX guidelines, the investor concentration of 50% only applies if the subject property is an investment property. Our subject property is a primary residence so it doesn't apply. - Buyer-08/26/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing from loan file. (CPM in file; however, investor concentration exceeds 60%) would need questionnaire. - Due Diligence Vendor-08/19/2025 |  | Resolved-Upon further review, CPM in file is sufficient. - Due Diligence Vendor-08/28/2025<br>| Months Reserves exceed minimum required - Min 3, actual 20.33<br>Qualifying FICO score is at least 20 points above minimum for program - Min 660, actual 683<br>LTV is less than guideline maximum - Min 70%, actual 62.04% |  | 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 | 5239920 |
| XXXX | XXXX | 9217010 D B A | Closed | FVAL5474 | 2025-08-21 11:14 | 2025-08-28 11:59 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project is ineligible | Resolved-Upon further review CPM in file and subject is a Primary Residence. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. Please be advised, per XXXX guidelines, the investor concentration of 50% only applies if the subject property is an investment property. Our subject property is a primary residence so it doesn't apply. - Seller-08/26/2025 <br> Open-Investor concentration cannot exceed 60%. The appraisal indicates 194 units are rented and total sold units are 260 - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. Please be advised, per XXXX guidelines, the investor concentration of 50% only applies if the subject property is an investment property. Our subject property is a primary residence so it doesn't apply. - Seller-08/26/2025 | Resolved-Upon further review CPM in file and subject is a Primary Residence. - Due Diligence Vendor-08/28/2025<br>| Months Reserves exceed minimum required - Min 3, actual 20.33<br>Qualifying FICO score is at least 20 points above minimum for program - Min 660, actual 683<br>LTV is less than guideline maximum - Min 70%, actual 62.04% |  | 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 | 5265485 |
| XXXX | XXXX | 9217010 D B A | Closed | FCOM4227 | 2025-08-15 15:25 | 2025-08-22 09:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received initial CD XXXX. Finding resolved. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. Supporting doc - CD - Buyer-08/21/2025 <br> Open------ Missing initial CD dated 3 days prior to closing. - Due Diligence Vendor-08/15/2025 |  | Resolved-Received initial CD XXXX. Finding resolved. - Due Diligence Vendor-08/22/2025 | Months Reserves exceed minimum required - Min 3, actual 20.33<br>Qualifying FICO score is at least 20 points above minimum for program - Min 660, actual 683<br>LTV is less than guideline maximum - Min 70%, actual 62.04% |  | 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 | 5198172 |
| XXXX | XXXX | 9248244 D A | Closed | FCRE5782 | 2025-08-21 13:02 | 2025-09-03 09:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. UDM - Buyer-08/28/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-08/21/2025 |  | Resolved-Received UDM. - Due Diligence Vendor-08/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 763 FICO; 700 min required<br>Months Reserves exceed minimum required - 53.42 mos reserves; 3 mos required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5268938 |
| XXXX | XXXX | 9248244 D A | Closed | FCRE7497 | 2025-08-21 12:15 | 2025-08-29 10:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received mortgage statement confirmation from servicer covers both XXXX. PITIA obligation considered. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. XXXX Acct XXXX are for both property XXXX. See uploaded mortgage statement and email confirmation from XXXX. - Buyer-08/28/2025 <br> Open-Missing verification of PITIA or support for exclusion of REO 3d. - Due Diligence Vendor-08/21/2025 |  | Resolved-Received mortgage statement confirmation from servicer covers both XXXX and XXXX. PITIA obligation considered. - Due Diligence Vendor-08/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - 763 FICO; 700 min required<br>Months Reserves exceed minimum required - 53.42 mos reserves; 3 mos required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5267889 |
| XXXX | XXXX | 9248244 D A | Closed | FCRE1510 | 2025-08-21 10:32 | 2025-08-29 09:56 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. Supporting doc - Buyer-08/28/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Exhibit A is missing<br> - Due Diligence Vendor-08/21/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 763 FICO; 700 min required<br>Months Reserves exceed minimum required - 53.42 mos reserves; 3 mos required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5264415 |
| XXXX | XXXX | 9248247 D A C | Closed | FPRO1257 | 2025-08-29 14:43 | 2026-01-28 12:42 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Primary Property Value is substantiated, either by the presence of an additional valuation within -10% variance to the Primary, or, if no additional valuations are present, the CU or LCA Score is equal to or less than 2.5. - Due Diligence Vendor-01/28/2026 <br>Resolved-After further review- desk review was provided in stips- value supports, condition resolved. - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. CDA Uploaded - Buyer-09/02/2025 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing Secondary evaluation. - Due Diligence Vendor-08/29/2025 |  | Resolved-Primary Property Value is substantiated, either by the presence of an additional valuation within -10% variance to the Primary, or, if no additional valuations are present, the CU or LCA Score is equal to or less than 2.5. - Due Diligence Vendor-01/28/2026 <br>Resolved-After further review- desk review was provided in stips- value supports, condition resolved. - Due Diligence Vendor-09/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 739; guideline minimum is 680 @ 75%<br>Months Reserves exceed minimum required - The Borrower has 116.21 months in reserves; guideline minimum is 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5365817 |
| XXXX | XXXX | 9248247 D A C | Closed | FCRE7497 | 2025-08-29 16:14 | 2025-09-16 10:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received LOE from the borrower, no HOA - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-09/15/2025 <br> Counter-Received PITIA and confirmation free and clear for 3C, 3e, 3f---missing HOA or confirmation no hoa for 3b XXXX. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. documentation to show XXXX owned free and clear - Seller-09/12/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-09/12/2025 <br> Counter-Please provide documentation to support both properties are free and clear. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. XXXX, Tax and Land only; XXXX Warranty Deed - Seller-09/03/2025 <br> Counter-REO documentation provided. Please provide Free and Clear documentation for XXXX. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. Other REO PITIA Uploaded - Buyer-09/02/2025 <br> Open-Missing PITIA for REO properties; 3b, 3c, 3e, 3f on the REO Worksheet - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. XXXX - Seller-09/15/2025 <br> Ready for Review-Document Uploaded. documentation to show XXXX owned free and clear - Seller-09/12/2025 <br> Ready for Review-Document Uploaded. XXXX, Tax and Land only; XXXX Warranty Deed - Seller-09/03/2025 | Resolved-Received LOE from the borrower, no HOA - Due Diligence Vendor-09/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 739; guideline minimum is 680 @ 75%<br>Months Reserves exceed minimum required - The Borrower has 116.21 months in reserves; guideline minimum is 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5367246 |
| XXXX | XXXX | 9248247 D A C | Closed | FCRE1206 | 2025-08-29 15:31 | 2025-09-15 13:16 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received fraud report reflecting all parties. - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-09/12/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Missing Fraud Report. - Due Diligence Vendor-08/29/2025 |  | Resolved-Received fraud report reflecting all parties. - Due Diligence Vendor-09/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 739; guideline minimum is 680 @ 75%<br>Months Reserves exceed minimum required - The Borrower has 116.21 months in reserves; guideline minimum is 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5366634 |
| XXXX | XXXX | 9248247 D A C | Closed | FCRE1205 | 2025-08-29 15:31 | 2025-09-15 13:16 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received fraud report reflecting all parties. - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-09/12/2025 <br>Open-OFAC Check Not Completed and/or Cleared Missing Fraud Report. - Due Diligence Vendor-08/29/2025 |  | Resolved-Received fraud report reflecting all parties. - Due Diligence Vendor-09/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 739; guideline minimum is 680 @ 75%<br>Months Reserves exceed minimum required - The Borrower has 116.21 months in reserves; guideline minimum is 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5366635 |
| XXXX | XXXX | 9248247 D A C | Closed | FCRE1201 | 2025-08-29 15:31 | 2025-09-15 13:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report reflecting all parties. - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-09/12/2025 <br>Open-Missing Third Party Fraud Report Missing Fraud Report. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-09/12/2025<br>| Resolved-Received fraud report reflecting all parties. - Due Diligence Vendor-09/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 739; guideline minimum is 680 @ 75%<br>Months Reserves exceed minimum required - The Borrower has 116.21 months in reserves; guideline minimum is 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5366636 |
| XXXX | XXXX | 9248247 D A C | Closed | FCRE0069 | 2025-08-29 15:15 | 2025-09-02 08:41 | Resolved | 1 - Information C A | Credit | Income/Employment | Bank Statement Summary Lender Worksheet is N/A | Resolved-Bank statement worksheet was provided, reviewed- condition resolved. - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. Bank statements and income worksheet - Seller-09/02/2025 <br>Open-Bank Statement Summary Lender Worksheet is N/A. Missing Bank Statement Worksheet - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. Bank statements and income worksheet - Seller-09/02/2025<br>| Resolved-Bank statement worksheet was provided, reviewed- condition resolved. - Due Diligence Vendor-09/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 739; guideline minimum is 680 @ 75%<br>Months Reserves exceed minimum required - The Borrower has 116.21 months in reserves; guideline minimum is 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5366430 |
| XXXX | XXXX | 9248247 D A C | Closed | FCRE0112 | 2025-08-29 18:05 | 2025-09-02 08:40 | Resolved | 1 - Information C A | Credit | Eligibility | Approval/Underwriting Summary Not Provided_3 | Resolved-1008 provided - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-09/02/2025 <br>Open-Approval/Underwriting Summary Not Provided. Missing 1008. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. 1008 - Seller-09/02/2025<br>| Resolved-1008 provided - Due Diligence Vendor-09/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 739; guideline minimum is 680 @ 75%<br>Months Reserves exceed minimum required - The Borrower has 116.21 months in reserves; guideline minimum is 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5368631 |
| XXXX | XXXX | 9216987 D A | Closed | FCRE0043 | 2025-08-26 21:48 | 2025-08-28 12:22 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-08/28/2025 <br>Ready for Review-Document Uploaded. DSCR WS - Buyer-08/27/2025 <br>Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation. - Due Diligence Vendor-08/27/2025 |  | Resolved-Received DSCR calculation. - Due Diligence Vendor-08/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 765 Min 700<br>Months Reserves exceed minimum required - Reserves: 51 Min 3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5327882 |
| XXXX | XXXX | 9243442 D B A | Closed | FCRE3333 | 2025-09-12 11:25 | 2025-10-03 16:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Subject property was listed for sale within a time period not allowed by guidelines | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-10/03/2025 <br> Open-Subject property was listed for sale within a time period not allowed per guidelines The property was listed on XXXX and removed XXXX, the loan closed XXXX and the property was relisted after closing on XXXX. - Due Diligence Vendor-09/12/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-10/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 753; guideline minimum 700.<br>Months Reserves exceed minimum required - The Borrower has 126.97 months in reserves; guideline minimum is 3 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 5516527 |
| XXXX | XXXX | 9243442 D B A | Closed | FCRE1304 | 2025-09-02 15:57 | 2025-09-10 16:44 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 1 Income Trend is Decreasing | Resolved-LOX provided. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-09/09/2025 <br> Open-Income 1 Income Trend is Decreasing LOX page 553 the Business had negative cash flow XXXX. - Due Diligence Vendor-09/02/2025 |  | Resolved-LOX provided. - Due Diligence Vendor-09/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 753; guideline minimum 700.<br>Months Reserves exceed minimum required - The Borrower has 126.97 months in reserves; guideline minimum is 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5384701 |
| XXXX | XXXX | 9243442 D B A | Closed | FCRE1316 | 2025-09-02 15:57 | 2025-09-10 16:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-After further review, a VOE is not required for a SE borrower. Proof the business is active provided. - Due Diligence Vendor-09/10/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-09/09/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE; Business Search Page 557. - Due Diligence Vendor-09/02/2025 |  | Resolved-After further review, a VOE is not required for a SE borrower. Proof the business is active provided. - Due Diligence Vendor-09/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 753; guideline minimum 700.<br>Months Reserves exceed minimum required - The Borrower has 126.97 months in reserves; guideline minimum is 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5384700 |
| XXXX | XXXX | 9243473 D B A | Closed | FCRE0137 | 2025-08-29 09:25 | 2025-10-03 16:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Subject property is listed for sale | Waived-Client waiver applied to non-material finding with compensating factors - Due Diligence Vendor-10/03/2025 <br> Counter-The guidelines indicate the property must be removed from listing for at least one month prior to application. Initial application date was XXXX, property was listed XXXX, removed XXXX, relisted XXXX and removed XXXX, which was not one month prior to XXXX. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Property was listed on XXXX. Days after closing loan. - Buyer-09/15/2025 <br> Open-UW to confirm there is no evidence the home is listed for sale. Per XXXX, home is listed for sale. - Due Diligence Vendor-09/02/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors - Due Diligence Vendor-10/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 753. Guideline min FICO 700.<br>Months Reserves exceed minimum required - Qualifying Reserves 151.83 months. Guideline Required Reserves 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 5359466 |
| XXXX | XXXX | 9243473 D B A | Closed | FCRE7497 | 2025-09-02 16:20 | 2025-09-16 09:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Tax calculator provided for XX & XX. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. This was a new construction and estimated figures were used. - Seller-09/15/2025 <br> Counter-Missing RE Taxes for XXXX - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. Taxes are estimated as this property is a new construction - Buyer-09/09/2025 <br> Open-Per final 1003, REO's XX, XX, XX and XX taxes and insurance documentation not provided. - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. This was a new construction and estimated figures were used. - Seller-09/15/2025<br>| Resolved-Tax calculator provided for XX & XX. - Due Diligence Vendor-09/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 753. Guideline min FICO 700.<br>Months Reserves exceed minimum required - Qualifying Reserves 151.83 months. Guideline Required Reserves 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5385065 |
| XXXX | XXXX | 9243473 D B A | Closed | FCRE1316 | 2025-09-02 16:01 | 2025-09-10 12:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE. - Due Diligence Vendor-09/10/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Seller-09/09/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing 3rd party verification that the business is in existence, in good standing and active is required. - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. Supporting Documents - Seller-09/09/2025<br>| Resolved-Received VVOE. - Due Diligence Vendor-09/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 753. Guideline min FICO 700.<br>Months Reserves exceed minimum required - Qualifying Reserves 151.83 months. Guideline Required Reserves 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5384769 |
| XXXX | XXXX | 9243454 C B A | Closed | FCRE0082 | 2025-09-03 15:02 | 2025-09-03 15:09 | Waived | 2 - Non-Material C B | Credit | Title | Vested Owner Signature Requirement Not met | Waived-Client exception granted to allow property in LLC at time of application . Non-material waiver applied with comp factors. Deemed non-material due to was quit claimed into borrowers names prior to closing. - Due Diligence Vendor-09/03/2025 <br>Open-Vested Owner Signature Requirement Not met. Property in LLC at time of application not allowed. Will be transferred to borrower names at closing. - Due Diligence Vendor-09/03/2025 |  | Waived-Client exception granted to allow property in LLC at time of application . Non-material waiver applied with comp factors. Deemed non-material due to was quit claimed into borrowers names prior to closing. - Due Diligence Vendor-09/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 735; minimum required 700.<br>Months Reserves exceed minimum required - 115 months PITIA reserves; 3 months reserves required. | reserves are 115, fico is 735, DTI: DTI below Max, Employment Stability 15+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 5399639 |
| XXXX | XXXX | 9243454 C B A | Closed | FCRE1440 | 2025-09-03 15:04 | 2025-09-03 15:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted to allow living rent free in home that is in XXXX trust. Non-material waiver applied with comp factors. Deemed non-material due to borrower is the trustee and owns other property including subject. - Due Diligence Vendor-09/03/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Current primary is in XXXX trust so technically living rent free with someone other than spouse home. - Due Diligence Vendor-09/03/2025 |  | Waived-Client exception granted to allow living rent free in home that is in XXXX trust. Non-material waiver applied with comp factors. Deemed non-material due to borrower is the trustee and owns other property including subject. - Due Diligence Vendor-09/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 735; minimum required 700.<br>Months Reserves exceed minimum required - 115 months PITIA reserves; 3 months reserves required. | reserves are 115, fico is 735, DTI: DTI below Max, Employment Stability 15+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 5399712 |
| XXXX | XXXX | 9502877 C A | Closed | FCRE1506 | 2025-09-02 15:00 | 2025-09-24 16:59 | 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-09/24/2025 <br> Ready for Review-Document Uploaded. Please see attached letter from the accountant. - Buyer-09/22/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing evidence of two year self employment history, business registry on pg 353 only shows in existence since XXXX. - Due Diligence Vendor-09/03/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-09/24/2025<br>| Qualifying DTI below maximum allowed - DTI is 34.02% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 778 and minimum allowed is 700 |  | 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 | 5383476 |
| XXXX | XXXX | 9502877 C A | Closed | FCRE1317 | 2025-09-03 09:35 | 2025-09-24 16:59 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-CPA letter provided confirming over 2 years of self employment. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-09/22/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Missing evidence of two year self employment history, business registry on pg 353 only shows in existence since XXXX. - Due Diligence Vendor-09/03/2025 |  | Resolved-CPA letter provided confirming over 2 years of self employment. - Due Diligence Vendor-09/24/2025<br>| Qualifying DTI below maximum allowed - DTI is 34.02% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 778 and minimum allowed is 700 |  | 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 | 5391580 |
| XXXX | XXXX | 9502866 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 9502875 D A | Closed | FCRE1510 | 2025-09-04 12:24 | 2025-09-09 11:57 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Mortgage with legal provided. - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/05/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-09/05/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description. - Due Diligence Vendor-09/04/2025 |  | Resolved-Mortgage with legal provided. - Due Diligence Vendor-09/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 750 is more than 20 points higher than the guideline min 720.<br>Qualifying DTI below maximum allowed - Qualifying DTI 38.89 is lower than the guideline max of 50. |  | 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 | 5412055 |
| XXXX | XXXX | 9502875 D A | Closed | FCRE5782 | 2025-09-04 12:58 | 2025-09-08 17:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, the credit report is dated within 10 days. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-The Credit report dated XXXX and the Note dated XXXX , file funded XXXX and that is exactly 10 days , so the Gap report is not required. Please review and clear the condition - Buyer-09/05/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Borrower 1 and 2 Gap Credit Report is Missing - Due Diligence Vendor-09/04/2025 |  | Resolved-Upon further review, the credit report is dated within 10 days. - Due Diligence Vendor-09/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 750 is more than 20 points higher than the guideline min 720.<br>Qualifying DTI below maximum allowed - Qualifying DTI 38.89 is lower than the guideline max of 50. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5412782 |
| XXXX | XXXX | 9502921 D A | Closed | FCRE1252 | 2025-09-06 12:01 | 2025-09-09 17:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received Legible Copy of the prelim report. - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. Please see attached completed report , and kindly advise if we need anything else to clear this condition ? - Buyer-09/08/2025 <br>Open-Title Document is Incomplete Title Document is not legible. Additionally, findings may apply upon receipt. - Due Diligence Vendor-09/06/2025 |  | Resolved-Received Legible Copy of the prelim report. - Due Diligence Vendor-09/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 728; guidelines require 640 <br>Months Reserves exceed minimum required - 8.89 months reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5439767 |
| XXXX | XXXX | 9236135 D A | Closed | FCRE0043 | 2025-09-03 21:21 | 2025-09-04 17:41 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR calc provided. - Due Diligence Vendor-09/04/2025 <br>Ready for Review-Document Uploaded. DSCR WS - Buyer-09/04/2025 <br>Open-The DSCR Calculation from lender is Missing. - Due Diligence Vendor-09/04/2025 |  | Resolved-DSCR calc provided. - Due Diligence Vendor-09/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779 is higher than 700 minimum required <br>DSCR % greater than 1.20 - DSCR % greater than 1.20 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5403950 |
| XXXX | XXXX | 9236135 D A | Closed | FCRE1481 | 2025-09-04 12:10 | 2025-09-04 17:36 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-bank statement provided. - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. XXXX account - Buyer-09/04/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Missing monthly statement from XXXX account XXXX as reflected on final 1003 / assets needed for funds to close and/or reserves - Due Diligence Vendor-09/04/2025 |  | Resolved-bank statement provided. - Due Diligence Vendor-09/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779 is higher than 700 minimum required <br>DSCR % greater than 1.20 - DSCR % greater than 1.20 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5411790 |
| XXXX | XXXX | 9303112 D A | Closed | FCRE0070 | 2025-09-03 19:38 | 2025-09-05 13:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received 1008 - Due Diligence Vendor-09/05/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-09/04/2025 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. 1008 - Seller-09/04/2025<br>| Resolved-Received 1008 - Due Diligence Vendor-09/05/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 10.75 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, qualifying score is 749 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5403417 |
| XXXX | XXXX | 9303112 D A | Closed | FCRE1148 | 2025-09-03 18:07 | 2025-09-05 12:22 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. Page 142 of credit package - Buyer-09/04/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Loan amount is $XXXX, title coverage is XXXX which is not sufficient - Due Diligence Vendor-09/03/2025 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-09/05/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 10.75 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, qualifying score is 749 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5402675 |
| XXXX | XXXX | 9303112 D A | Closed | FCRE0043 | 2025-09-03 19:33 | 2025-09-05 12:21 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-09/05/2025 <br>Ready for Review-Document Uploaded. DSCR WS - Buyer-09/04/2025 <br>Open-The DSCR Calculation from lender is Missing. - Due Diligence Vendor-09/03/2025 |  | Resolved-Received DSCR calculation. - Due Diligence Vendor-09/05/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 10.75 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, qualifying score is 749 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5403398 |
| XXXX | XXXX | 9303112 D A | Closed | FCRE0109 | 2025-09-03 19:33 | 2025-09-05 12:21 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - Patriot Act Borrower Identification Form | Resolved-Received Patriot Act Disclosure. - Due Diligence Vendor-09/05/2025 <br>Ready for Review-Document Uploaded. Patriot Act Borrower Identification Form. - Buyer-09/04/2025 <br>Ready for Review-Document Uploaded. Patriot act identification form - Buyer-09/04/2025 <br>Open-Missing Disclosure - Patriot Act Borrower Identification Form. - Due Diligence Vendor-09/03/2025 |  | Resolved-Received Patriot Act Disclosure. - Due Diligence Vendor-09/05/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 10.75 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, qualifying score is 749 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5403399 |
| XXXX | XXXX | 9243500 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA |  |  |  |
| XXXX | XXXX | 9248259 D A | Closed | FCRE1241 | 2025-09-04 12:17 | 2025-10-13 09:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Revised appraisal provided. Appraisers commentary provided. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. corrected contract date<br> - Buyer-10/07/2025 <br> Counter-Received terms for purchase contract updates to appraiser-Received ratified purchase contract dated XXXX. Appraisal reflects purchase contract date of XXXX with SP of XXXX. Provide complete purchase agreement. Or confirmation 1st dated XXXX was cancelled - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-09/23/2025 <br> Counter-Received ratified purchase contract dated XXXX-XXXX XXXX. Appraisal reflects purchase contract date of XXXX with XXXX of XXXX. Provide complete purchase agreement. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. 1) purchase contract<br> 2) Personal Guaranty Agreement - Buyer-09/10/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is Missing. Missing Purchase Contract. - Due Diligence Vendor-09/04/2025 |  | Resolved-Revised appraisal provided. Appraisers commentary provided. - Due Diligence Vendor-10/09/2025<br>| Credit history exceeds minimum required - The Borrowers credit history exceeds the 12 months required 0x30.<br>Months Reserves exceed minimum required - 49.8 months reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5411892 |
| XXXX | XXXX | 9502874 C B A | Closed | FPRO1249 | 2025-09-07 13:55 | 2025-09-09 17:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Originator provided a waiver for Rural Location, applied to non material finding with comp factors - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-09/08/2025 <br>Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Per appraisal, subject property neighborhood location is Rural which is not allowed per the guidelines. - Due Diligence Vendor-09/07/2025 |  | Waived-Originator provided a waiver for Rural Location, applied to non material finding with comp factors - Due Diligence Vendor-09/09/2025<br>| Qualifying DTI below maximum allowed - Qualifying FICO score 690; guidelines require 660<br>Months Reserves exceed minimum required - 58.34 months reserves; 3 months reserves required | Reserves exceed requirement by 6 months or more<br> Cash-Out Refi payments reduced by a min. of 20% or $500 | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 5442987 |
| XXXX | XXXX | 9365880 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9303116 D A C | Closed | FCRE5782 | 2025-09-08 19:30 | 2025-09-11 15:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-09/11/2025 <br>Ready for Review-Document Uploaded. Gap report attached. Please clear condition - Buyer-09/10/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing from loan file - Due Diligence Vendor-09/10/2025 |  | Resolved-Received Gap report. - Due Diligence Vendor-09/11/2025<br>| Months Reserves exceed minimum required - Qualifying Total Reserves 38 months are higher than 9 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 768 is higher than 680 minimum required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5459038 |
| XXXX | XXXX | 9303116 D A C | Closed | finding-47 | 2025-09-05 15:26 | 2025-09-11 07:18 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Rec'd PCCD issued XXXX. Finding resolved. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. TILA Right of Rescission Test: Please see PCCD and FSS - Buyer-09/10/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-09/10/2025 |  | Resolved-Rec'd PCCD issued XXXX. Finding resolved. - Due Diligence Vendor-09/11/2025 | Months Reserves exceed minimum required - Qualifying Total Reserves 38 months are higher than 9 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 768 is higher than 680 minimum required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5433557 |
| XXXX | XXXX | 9502781 D A | Closed | FCRE5782 | 2025-09-07 19:54 | 2025-09-09 17:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-09/08/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing the required GAP report for borrower 1. - Due Diligence Vendor-09/07/2025 |  | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-09/09/2025<br>| LTV is less than guideline maximum - Qualifying LTV/CLTV 62.50%; max allowable LTV/CLTV 75%<br>Months Reserves exceed minimum required - 28.09 months reserves; 3 months reserves required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5443438 |
| XXXX | XXXX | 9502781 D A | Closed | FCRE5783 | 2025-09-07 19:54 | 2025-09-09 17:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/08/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Missing the required GAP reort for Borrower 2. - Due Diligence Vendor-09/07/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/08/2025<br>| Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-09/09/2025<br>| LTV is less than guideline maximum - Qualifying LTV/CLTV 62.50%; max allowable LTV/CLTV 75%<br>Months Reserves exceed minimum required - 28.09 months reserves; 3 months reserves required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5443439 |
| XXXX | XXXX | 9502781 D A | Closed | FCRE1316 | 2025-09-07 19:27 | 2025-09-09 17:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VOE for B1 - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-09/08/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing evidence of 3rd Party VOE Prior to Close for B1 1099 income - Due Diligence Vendor-09/07/2025 |  | Resolved-Received VOE for B1 - Due Diligence Vendor-09/09/2025<br>| LTV is less than guideline maximum - Qualifying LTV/CLTV 62.50%; max allowable LTV/CLTV 75%<br>Months Reserves exceed minimum required - 28.09 months reserves; 3 months reserves required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5443421 |
| XXXX | XXXX | 9502781 D A | Closed | FCRE1347 | 2025-09-07 19:27 | 2025-09-09 17:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received Borrower 2 3rd Party VOE Prior to Close - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-09/08/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing evidence of 3rd Party VOE Prior to Close for B2 1099 and Wage income - Due Diligence Vendor-09/07/2025 |  | Resolved-Received Borrower 2 3rd Party VOE Prior to Close - Due Diligence Vendor-09/09/2025<br>| LTV is less than guideline maximum - Qualifying LTV/CLTV 62.50%; max allowable LTV/CLTV 75%<br>Months Reserves exceed minimum required - 28.09 months reserves; 3 months reserves required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5443424 |
| XXXX | XXXX | 9243494 D A | Closed | FPRO1255 | 2025-09-09 13:45 | 2025-11-19 14:28 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Upon further review, the loan file contained all required condo documentations - Due Diligence Vendor-09/19/2025 <br>Ready for Review-Document Uploaded. Supporting doc - condo questionnaire - Buyer-09/17/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing project questionnaire - Due Diligence Vendor-09/09/2025 |  | Resolved-Upon further review, the loan file contained all required condo documentations - Due Diligence Vendor-09/19/2025<br>| Months Reserves exceed minimum required - 7.74 months reserves; 3 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 766 Min 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5469807 |
| XXXX | XXXX | 9502945 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9388850 C A | Closed | FCRE1254 | 2025-09-12 13:15 | 2025-09-25 12:58 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Quit Claim Deed. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. QCD was signed at closing. - Buyer-09/23/2025 <br> Open-Property Title Issue Title reflects owner as XXXX of dated XXXX. There is a chain of title in the file reflecting the same. Additional title int he file (with no effective date) that reflects the owner as XXXX - there is no date of ownership or deed to verify the date transferred. Additional conditions may apply. - Due Diligence Vendor-09/12/2025 |  | Resolved-Received Quit Claim Deed. - Due Diligence Vendor-09/25/2025<br>| Months Reserves exceed minimum required - The Borrower has 11.8 months in reserves; 3 months required per guidelines.<br>Credit history exceeds minimum required - The Borrower has had 0x30 for more than 12 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5518951 |
| XXXX | XXXX | 9388850 C A | Closed | FCRE1440 | 2025-09-12 13:19 | 2025-09-25 12:54 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Payment History. - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. The primary mortgage is reporting on the credit report. This is the transaction history to show it's been paid. - Buyer-09/23/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing evidence the primary housing payment is paid current through closing. - Due Diligence Vendor-09/12/2025 |  | Resolved-Received Payment History. - Due Diligence Vendor-09/25/2025<br>| Months Reserves exceed minimum required - The Borrower has 11.8 months in reserves; 3 months required per guidelines.<br>Credit history exceeds minimum required - The Borrower has had 0x30 for more than 12 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5519069 |
| XXXX | XXXX | 9502918 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9356680 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9365883 B A | Closed | FCRE0969 | 2025-09-09 15:49 | 2025-09-10 14:44 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Originator Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-09/12/2025 |  | Waived-Originator Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-09/12/2025<br>| Months Reserves exceed minimum required - 23 months reserves documented, 3 months required. <br>Qualifying FICO score is at least 20 points above minimum for program - 722 FICO, 700 required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 5472499 |
| XXXX | XXXX | 9388855 C B A | Closed | FCRE1509 | 2025-09-16 09:30 | 2025-11-13 17:09 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received corrected, executed Note reflecting IO terms. - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. here is a copy the original is being overnighted - Buyer-11/11/2025 <br> Open-There are Issues Present on the Note that must be addressed. The Final CD indicates that the Note is a 10 Yr I/O Note. The Note does not indicate the payments will be interest-only and does not specify the number of months the I/O is for. The payment of XXXX is an I/O payment, however, the Note indicates principal and interest payments. Provide corrected interest-only Note. - Due Diligence Vendor-09/16/2025 |  | Resolved-Received corrected, executed Note reflecting IO terms. - Due Diligence Vendor-11/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 734; minimum FICO 700 required<br>Months Reserves exceed minimum required - 15.71 months reserves; 12 month reserves required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5550208 |
| XXXX | XXXX | 9388855 C B A | Closed | FCRE0008 | 2025-09-16 09:35 | 2025-11-13 17:09 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received confirmation PPP is 6 months Interest. - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-09/17/2025 <br>Open-There are two sets of PPP Addendums and Riders in the file with different terms. One set is for 36 months at 6 months interest on amount that exceeds 20% and one set is for 36 months at 5%,4%,3%. Need verification of which PPP is correct. The correct prepay addendum should be attached to the corrected interest-only Note. - Due Diligence Vendor-09/16/2025 |  | Resolved-Received confirmation PPP is 6 months Interest. - Due Diligence Vendor-01/28/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 734; minimum FICO 700 required<br>Months Reserves exceed minimum required - 15.71 months reserves; 12 month reserves required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5550290 |
| XXXX | XXXX | 9388855 C B A | Closed | FCRE0969 | 2025-09-12 10:53 | 2025-09-12 10:53 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-XXXX PPP; If Held in an entity such as LLC, LP or Trust initial and final grade of B, waiver applied. - Due Diligence Vendor-09/12/2025 |  | Waived-XXXX PPP; If Held in an entity such as LLC, LP or Trust initial and final grade of B, waiver applied. - Due Diligence Vendor-09/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO 734; minimum FICO 700 required<br>Months Reserves exceed minimum required - 15.71 months reserves; 12 month reserves required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 5515588 |
| XXXX | XXXX | 9502793 C A | Closed | FCRE1193 | 2025-09-11 13:36 | 2025-10-31 14:59 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-After further review, the balance on the HELOC for the REO is paid in full. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Please be advised that the XXXX is excluded from the DTI calculation since it is showing $0 balance, and the DTI is 47.3%. Please see attached and kindly advise , - Seller-09/16/2025 <br> Counter-Received 1008-Other properties differ-- Lender used negative rental amount of - XXXX, however net rental is XXXX - PITI of XXXX = - XXXX. Finding remains. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. as per the UW calculation the DTI is 47.315%, Please see attached 1008 - Buyer-09/12/2025 <br> Open-Audited DTI of 50.11% exceeds Guideline DTI of 50% Lender used negative rental amount of - XXXX, however net rental is XXXX - PITI of XXXX = - XXXX - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. Please be advised that the XXXX is excluded from the DTI calculation since it is showing $0 balance, and the DTI is 47.3%. Please see attached and kindly advise , - Seller-09/16/2025 | Resolved-After further review, the balance on the HELOC for the REO is paid in full. - Due Diligence Vendor-09/16/2025<br>| Months Reserves exceed minimum required - 130 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - o LTV 62%; max 80%. |  | 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 | 5504284 |
| XXXX | XXXX | 9502793 C A | Closed | FCRE1320 | 2025-09-11 13:05 | 2025-09-16 16:01 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Personal Tax Returns Less Than 24 Months Provided | Resolved-Received extension for XXXX tax returns. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/12/2025 <br> Open-Borrower 1 Personal Tax Returns Less Than 24 Months Provided Missing XXXX 1040 or XXXX Extension - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/12/2025<br>| Resolved-Received extension for XXXX tax returns. - Due Diligence Vendor-09/15/2025 | Months Reserves exceed minimum required - 130 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - o LTV 62%; max 80%. |  | 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 | 5503548 |
| XXXX | XXXX | 9502793 C A | Closed | FCRE1506 | 2025-09-11 13:30 | 2025-09-16 11:41 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-After further review, the balance on the HELOC for the REO is paid in full. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Please be advised that the XXXX is excluded from the DTI calculation since it is showing $0 balance, and the DTI is 47.3%. Please see attached and kindly advise , - Seller-09/16/2025 <br> Counter-Received 1008-Other properties differ-- Lender used negative rental amount of - XXXX, however net rental is XXXX - PITI of XXXX = - XXXX. Finding remains. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. please see attached 1008, and as per the UW calculation the DTI is 47.315% - Seller-09/12/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds 50% at 50.11% - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. Please be advised that the XXXX is excluded from the DTI calculation since it is showing XXXX balance, and the DTI is 47.3%. Please see attached and kindly advise , - Seller-09/16/2025 <br> Ready for Review-Document Uploaded. please see attached 1008, and as per the UW calculation the DTI is 47.315% - Seller-09/12/2025 | Resolved-After further review, the balance on the HELOC for the REO is paid in full. - Due Diligence Vendor-09/16/2025<br>| Months Reserves exceed minimum required - 130 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - o LTV 62%; max 80%. |  | 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 | 5504117 |
| XXXX | XXXX | 9502793 C A | Closed | FCRE0044 | 2025-09-11 13:24 | 2025-09-15 17:40 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received inquiry LOE. - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-09/12/2025 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-09/11/2025 |  | Resolved-Received inquiry LOE. - Due Diligence Vendor-09/15/2025<br>| Months Reserves exceed minimum required - 130 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - o LTV 62%; max 80%. |  | 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 | 5503961 |
| XXXX | XXXX | 9857715 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 9502873 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9502868 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9365891 C A | Closed | FCRE1510 | 2025-09-11 07:50 | 2025-09-15 13:46 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Notary and Legal - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-09/12/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. (1) Missing fully executed Deed of Trust, document is missing notary page 12. (2) Legal Description referenced as attached to Security Instrument is not included within the document or riders. Other findings may apply - Due Diligence Vendor-09/11/2025 |  | Resolved-Received Mortgage w/Notary and Legal - Due Diligence Vendor-09/15/2025<br>| LTV is less than guideline maximum - LTV: 60.98% Max 80%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 741 Min 700<br>Months Reserves exceed minimum required - Reserves: 78.51 Min 3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5496769 |
| XXXX | XXXX | 9502920 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9502948 C A | Closed | FCRE1159 | 2025-09-18 13:02 | 2025-09-25 10:56 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Invoice for HOI provided confirming paid in full. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-09/23/2025 <br> Counter-Received final settlement statement reflecting disbursement date of XXXX-settlement statement received does not reflect HOI policy being paid in full. - Due Diligence Vendor-09/23/2025 <br> Ready for Review- Please see attached final SS , that was in the legal package page 22 , and the loan was funded XXXX same date of the hazard . Please review and clear the condition - Buyer-09/22/2025 <br> Ready for Review-Document Uploaded. Please see attached final SS , and the loan was funded XXXX same date of the hazard . Please review and clear the condition - Buyer-09/22/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX DISBURSED XXXX - Due Diligence Vendor-09/18/2025 |  | Resolved-Invoice for HOI provided confirming paid in full. - Due Diligence Vendor-09/25/2025<br>| Months Reserves exceed minimum required - Reserves = 22.93 months – Required Reserves = 6 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 795 Min FICO = 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5588642 |
| XXXX | XXXX | 9502876 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9365858 B A | Closed | FCRE0969 | 2025-09-23 16:52 | 2025-10-02 13:34 | Resolved | 1 - Information B A | Credit | Closing | Prepayment Penalty Issue | Resolved-Received PPP Addendum to the Note. - Due Diligence Vendor-10/02/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-09/30/2025 <br>Open-The Final CD and the FPL indicate that the loan has a PPP, however the PPP Addendum to the Note was not found in the file. - Due Diligence Vendor-09/23/2025 |  | Resolved-Received PPP Addendum to the Note. - Due Diligence Vendor-10/02/2025<br>| DSCR % greater than 1.20 - 1.38 DSCR, 1.0 required<br>Months Reserves exceed minimum required - 37 months reserves documented, 3 months required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5644561 |
| XXXX | XXXX | 9356670 C A | Closed | FCRE1206 | 2025-09-22 13:38 | 2025-10-03 12:14 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud report w/all parties. - Due Diligence Vendor-10/03/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-10/02/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists The seller/beneficiary listed on the purchase contract was not checked with exclusionary lists. - Due Diligence Vendor-09/22/2025 |  | Resolved-Received Fraud report w/all parties. - Due Diligence Vendor-10/03/2025<br>| Months Reserves exceed minimum required - Borrower verified 11 months of reserves, 3 months minimum required.<br>LTV is less than guideline maximum - The max LTV ratio for the program is 80% and the subject loan closed with an LTV ratio of 75%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5621898 |
| XXXX | XXXX | 9502143 C A | Closed | FCRE0970 | 2025-09-23 11:58 | 2025-09-25 13:02 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received Colored Appraisal. - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. See color appraisal - Buyer-09/23/2025 <br>Open-Missing color photos to appraisal - Due Diligence Vendor-09/23/2025 |  | Resolved-Received Colored Appraisal. - Due Diligence Vendor-09/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 790.<br>Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 29.41 months. |  | 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 | 5635825 |
| XXXX | XXXX | 9356683 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9857716 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9356673 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9613743 C A | Closed | FCRE0112 | 2025-09-29 15:24 | 2025-10-01 14:05 | Resolved | 1 - Information C A | Credit | Eligibility | Approval/Underwriting Summary Not Provided_3 | Resolved-Received Loan Approval. - Due Diligence Vendor-10/01/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-09/30/2025 <br>Open-Approval/Underwriting Summary Not Provided. Missing 1008. - Due Diligence Vendor-09/29/2025 |  | Resolved-Received Loan Approval. - Due Diligence Vendor-10/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 732; guideline minimum is 700.<br>Months Reserves exceed minimum required - The Borrower has 35.18 months in reserves; guideline minimum is 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5708259 |
| XXXX | XXXX | 9388839 C A | Closed | FCRE1510 | 2025-09-26 16:12 | 2025-10-06 11:20 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Confirmed - The legal uploaded is the legal that was recorded with the mortgage - Due Diligence Vendor-10/06/2025 <br>Ready for Review-Document Uploaded. Uploaded DOT w legal - Buyer-10/02/2025 <br>Counter-Reviewed uploaded documents and Exhibit A - Legal Description is still missing. Please upload DOT with Exhibit A - Legal Description - Due Diligence Vendor-10/02/2025 <br>Ready for Review-Document Uploaded. DOT with all riders - Buyer-09/30/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. 1-4 Family rider is missing - Due Diligence Vendor-09/30/2025 |  | Resolved-Confirmed - The legal uploaded is the legal that was recorded with the mortgage - Due Diligence Vendor-10/06/2025<br>| Qualifying DTI below maximum allowed - The maximum DTI ratio is 50% and the borrower's DTI ratio is 38.34%.<br>Months Reserves exceed minimum required - Min 3, actual 94.27 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5691474 |
| XXXX | XXXX | 9388839 C A | Closed | FPRO0025 | 2025-09-29 18:36 | 2025-10-06 11:15 | Resolved | 1 - Information C A | Property | Property Issue | Smoke Detector/Carbon Monoxide detector has issues | Resolved-Appraisal updated - per Appraiser smoke detectors present and pictures provided - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. Uploaded revised appraisal - Buyer-10/02/2025 <br> Open-The appraiser did not comment if the subject property had smoke detectors. The state of XXXX requires smoke alarms. No mention on appraisal or pictures provided - Due Diligence Vendor-09/30/2025 |  | Resolved-Appraisal updated - per Appraiser smoke detectors present and pictures provided - Due Diligence Vendor-10/06/2025<br>| Qualifying DTI below maximum allowed - The maximum DTI ratio is 50% and the borrower's DTI ratio is 38.34%.<br>Months Reserves exceed minimum required - Min 3, actual 94.27 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5711183 |
| XXXX | XXXX | 9365904 D A | Closed | FCOM1352 | 2025-09-30 10:55 | 2025-10-28 11:36 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received complete business purpose affidavit. - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Document Uploaded. Supporting doc - Buyer-10/27/2025 <br>Counter-Business Purpose provided, however it is incomplete. Borrower did not provide the cash out reason. - Due Diligence Vendor-10/10/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-10/08/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing business purpose document page 2 or signature. - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-10/08/2025<br>| Resolved-Received complete business purpose affidavit. - Due Diligence Vendor-10/28/2025<br>| DSCR % greater than 1.20 - DSCR verified at 1.539<br>Months Reserves exceed minimum required - 12 months reserves required - we have 96.35 verified mos. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5717867 |
| XXXX | XXXX | 9365904 D A | Closed | FCRE0120 | 2025-09-30 08:58 | 2025-10-21 12:13 | Resolved | 1 - Information C A | Credit | Eligibility | PPP rider was not provided | Resolved-Upon further review, the loan file contained all required prepayment documentation. - Due Diligence Vendor-10/21/2025 <br>Ready for Review-Document Uploaded. Please re-review DOT - Buyer-10/17/2025 <br>Open-PPP rider was not provided. Prepayment Rider to Mortgage is missing. - Due Diligence Vendor-09/30/2025 |  | Resolved-Upon further review, the loan file contained all required prepayment documentation. - Due Diligence Vendor-10/21/2025<br>| DSCR % greater than 1.20 - DSCR verified at 1.539<br>Months Reserves exceed minimum required - 12 months reserves required - we have 96.35 verified mos. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5715358 |
| XXXX | XXXX | 9365904 D A | Closed | FCRE1440 | 2025-09-30 09:09 | 2025-10-21 12:12 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOM. - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-10/20/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Need housing history with XXXX (mtg company paid off on Settlement Statement) for subject property. Property was purchase XXXX - no payment history in file. - Due Diligence Vendor-09/30/2025 |  | Resolved-Received VOM. - Due Diligence Vendor-10/21/2025<br>| DSCR % greater than 1.20 - DSCR verified at 1.539<br>Months Reserves exceed minimum required - 12 months reserves required - we have 96.35 verified mos. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5715567 |
| XXXX | XXXX | 9365904 D A | Closed | FCRE1510 | 2025-09-30 07:44 | 2025-10-21 12:11 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/21/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Seller-10/21/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. Supporting Documents - Seller-10/21/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/21/2025<br>| DSCR % greater than 1.20 - DSCR verified at 1.539<br>Months Reserves exceed minimum required - 12 months reserves required - we have 96.35 verified mos. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5714528 |
| XXXX | XXXX | 9502139 D A | Closed | FCRE0044 | 2025-10-14 12:55 | 2025-10-17 11:29 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. LOX Uploaded - Seller-10/15/2025 <br> Open-LOX for credit inquiries is missing. \*New\* Please provide an LOE for the inquiries on XXXX reporting on the Gap Report. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. LOX Uploaded - Seller-10/15/2025<br>| Resolved-Received credit inquiry LOE. - Due Diligence Vendor-10/17/2025<br>| Months Reserves exceed minimum required - Min 3, actual 22.14<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 751; guideline minimum is 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5889503 |
| XXXX | XXXX | 9502139 D A | Closed | FCRE5782 | 2025-09-30 12:53 | 2025-10-14 12:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-10/14/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-10/13/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing gap Credit Report. - Due Diligence Vendor-10/02/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-10/14/2025<br>| Months Reserves exceed minimum required - Min 3, actual 22.14<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 751; guideline minimum is 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5721141 |
| XXXX | XXXX | 9502139 D A | Closed | FCRE1480 | 2025-09-30 13:18 | 2025-10-13 12:51 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received 2 months bank statements for Asset 2. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-10/09/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Missing the Full Bank Statement from XXXX. - Due Diligence Vendor-10/02/2025 |  | Resolved-Received 2 months bank statements for Asset 2. - Due Diligence Vendor-10/13/2025<br>| Months Reserves exceed minimum required - Min 3, actual 22.14<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 751; guideline minimum is 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5721639 |
| XXXX | XXXX | 9502139 D A | Closed | FCRE1151 | 2025-09-30 11:58 | 2025-10-09 13:11 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received chain of title. - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Document Uploaded. Spouse was removed from the title work since she did not want to sign any documents at closing. The incorrect final title commitment was uploaded. Attached is the correct one. - Seller-10/08/2025 <br>Open-Unsatisfactory Chain of Title provided. Missing 24 month Chain of Title.<br>- Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. Spouse was removed from the title work since she did not want to sign any documents at closing. The incorrect final title commitment was uploaded. Attached is the correct one. - Seller-10/08/2025<br>| Resolved-Received chain of title. - Due Diligence Vendor-10/09/2025<br>| Months Reserves exceed minimum required - Min 3, actual 22.14<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 751; guideline minimum is 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5720283 |
| XXXX | XXXX | 9502139 D A | Closed | FCRE1254 | 2025-10-02 07:11 | 2025-10-09 13:11 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received revised preliminary title report. - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Document Uploaded. Spouse was removed from the title work since she did not want to sign any documents at closing. The incorrect final title commitment was uploaded. Attached is the correct one. - Buyer-10/08/2025 <br>Open-Property Title Issue Title proposed insured reflects borrower and non borrowing spouse who has not signed certain closing documents. - Due Diligence Vendor-10/02/2025 |  | Resolved-Received revised preliminary title report. - Due Diligence Vendor-10/09/2025<br>| Months Reserves exceed minimum required - Min 3, actual 22.14<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 751; guideline minimum is 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5747137 |
| XXXX | XXXX | 9555103 D A | Closed | FCRE8201 | 2025-09-30 17:15 | 2025-10-09 14:01 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Upon further review, guideline requirements have been met. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-10/08/2025 <br> Open-Guideline: Non-Sufficient Funds (NSF) - XXXX defines an NSF occurrence as the account having a negative daily balance for more than 24 hours. eResi will allow up to three (3) NSF occurrences within the last 12 months. An LOE from the borrower must be satisfactory.<br>It has determined that the Borrower has 12 NSFs; LOE from Borrower is on page 122. - Due Diligence Vendor-09/30/2025 |  | Resolved-Upon further review, guideline requirements have been met. - Due Diligence Vendor-10/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 756; guideline minimum is 680.<br>Months Reserves exceed minimum required - The Borrowers has 6.7 months in reserves; guideline minimum is 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5725622 |
| XXXX | XXXX | 9555103 D A | Closed | FCOM1352 | 2025-09-30 15:22 | 2025-10-03 12:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose and occupancy affidavit. - Due Diligence Vendor-10/03/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-10/02/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing the Business Affidavit. Occupancy Affidavit on page 474. - Due Diligence Vendor-09/30/2025 |  | Resolved-Received Business Purpose and occupancy affidavit. - Due Diligence Vendor-10/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 756; guideline minimum is 680.<br>Months Reserves exceed minimum required - The Borrowers has 6.7 months in reserves; guideline minimum is 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5723955 |
| XXXX | XXXX | 9857648 C A | Closed | FCRE1479 | 2025-10-06 13:36 | 2025-10-31 14:20 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received current business bank statement reflecting sufficient assets. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Counter-Received settlement statement for cash proceeds-dated XXXX-Note date was XXXX-provide sufficient assets dated prior to closing sufficient for closing and required reserves. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. - Seller-10/25/2025 <br> Counter-Funds for closing + 2 months reserves required-assets statement dated XXXX and expired. Provide current asset statement. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. - Seller-10/23/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements ASSETS EXPIRED, Account Dated XXXX - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025 <br>Ready for Review-Document Uploaded. - Seller-10/25/2025 <br>Ready for Review-Document Uploaded. - Seller-10/23/2025<br>| Resolved-Received current business bank statement reflecting sufficient assets. - Due Diligence Vendor-10/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 712 is higher than 700 minimum required <br>Months Reserves exceed minimum required - Reserves = 15 months – Required Reserves = 2 Months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5788647 |
| XXXX | XXXX | 9857649 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9555120 D A | Closed | FCRE0043 | 2025-10-02 12:01 | 2025-10-14 12:38 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR Calculation was located. - Due Diligence Vendor-10/14/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-10/13/2025 <br>Open-The DSCR Calculation from lender is Missing. DSCR calculations is absent the loan file - Due Diligence Vendor-10/02/2025 |  | Resolved-DSCR Calculation was located. - Due Diligence Vendor-10/14/2025<br>| Months Reserves exceed minimum required - Reserves = 6.58 months – Required Reserves = 3 Months<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.025 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5753022 |
| XXXX | XXXX | 9555120 D A | Closed | FCRE0120 | 2025-10-02 12:01 | 2025-10-14 12:38 | Resolved | 1 - Information C A | Credit | Eligibility | PPP rider was not provided | Resolved-Received PP Rider. - Due Diligence Vendor-10/10/2025 <br>Ready for Review-Document Uploaded. Prepayment Rider - Buyer-10/09/2025 <br>Open-PPP rider was not provided. ppp rider is absent the loan file - Due Diligence Vendor-10/02/2025 |  | Resolved-Received PP Rider. - Due Diligence Vendor-10/10/2025<br>| Months Reserves exceed minimum required - Reserves = 6.58 months – Required Reserves = 3 Months<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.025 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5753023 |
| XXXX | XXXX | 9694016 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9502121 D A | Closed | FCRE5782 | 2025-10-03 09:40 | 2025-10-08 16:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report received - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Seller-10/06/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. Supporting Documents - Seller-10/06/2025<br>| Resolved-Borrower 1 Gap Credit Report received - Due Diligence Vendor-10/07/2025<br>| LTV is less than guideline maximum - Max 80%, actual 52.63%<br>Months Reserves exceed minimum required - 130.48 months PITIA reserves; 3 months reserves required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 5764419 |
| XXXX | XXXX | 9502121 D A | Closed | FCRE5783 | 2025-10-03 09:40 | 2025-10-08 16:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report received - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Seller-10/06/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Missing from loan file - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. Supporting Documents - Seller-10/06/2025<br>| Resolved-Borrower 2 Gap Credit Report received - Due Diligence Vendor-10/07/2025<br>| LTV is less than guideline maximum - Max 80%, actual 52.63%<br>Months Reserves exceed minimum required - 130.48 months PITIA reserves; 3 months reserves required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 5764420 |
| XXXX | XXXX | 9502121 D A | Closed | FCRE7806 | 2025-10-03 09:23 | 2025-10-08 16:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet received - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Document Uploaded. Borrower 1 and 2 income worksheet - Seller-10/03/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. Borrower 1 and 2 income worksheet - Seller-10/03/2025<br>| Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet received - Due Diligence Vendor-10/07/2025<br>| LTV is less than guideline maximum - Max 80%, actual 52.63%<br>Months Reserves exceed minimum required - 130.48 months PITIA reserves; 3 months reserves required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 5764128 |
| XXXX | XXXX | 9502121 D A | Closed | FCRE7807 | 2025-10-03 09:23 | 2025-10-08 16:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The Borrower 2 Bank Statement Summary/Lender Worksheet received - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Document Uploaded. Borrower 1 and 2 income worksheet - Seller-10/03/2025 <br>Open-The Borrower 2 Bank Statement Summary/Lender Worksheet is Missing Missing from loan file - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. Borrower 1 and 2 income worksheet - Seller-10/03/2025<br>| Resolved-The Borrower 2 Bank Statement Summary/Lender Worksheet received - Due Diligence Vendor-10/07/2025<br>| LTV is less than guideline maximum - Max 80%, actual 52.63%<br>Months Reserves exceed minimum required - 130.48 months PITIA reserves; 3 months reserves required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 5764129 |
| XXXX | XXXX | 9502121 D A | Closed | FCRE0044 | 2025-10-03 09:49 | 2025-10-07 11:05 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-LOX for credit inquiries received - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Document Uploaded. Inquiries Letter - Buyer-10/03/2025 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-10/03/2025 |  | Resolved-LOX for credit inquiries received - Due Diligence Vendor-10/07/2025<br>| LTV is less than guideline maximum - Max 80%, actual 52.63%<br>Months Reserves exceed minimum required - 130.48 months PITIA reserves; 3 months reserves required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 5764629 |
| XXXX | XXXX | 9555127 C A | Closed | FCRE1206 | 2025-10-02 12:16 | 2025-10-08 16:03 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-After further review, the CPA is not required to be included per the guides. - Due Diligence Vendor-10/08/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists The borrower's own CPA was not checked on the OFAC / Exclusionary list. - Due Diligence Vendor-10/06/2025 |  | Resolved-After further review, the CPA is not required to be included per the guides. - Due Diligence Vendor-10/08/2025<br>| Months Reserves exceed minimum required - 3 months reserves is required and the borrower has 29.26 months verified.<br>Qualifying FICO score is at least 20 points above minimum for program - The minimum credit score is 680 and the borrower has a 744 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5753361 |
| XXXX | XXXX | 9613781 D A | Closed | FCRE1316 | 2025-10-03 17:01 | 2025-10-14 13:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-After further review, this is now required on a bank statement loan. Proof of SE was provided. - Due Diligence Vendor-10/14/2025 <br>Ready for Review-Document Uploaded. Bank statement loan, unsure why VOE is being requested - Buyer-10/14/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/03/2025 |  | Resolved-After further review, this is now required on a bank statement loan. Proof of SE was provided. - Due Diligence Vendor-10/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO IS 793, MINIMUM FICO IS 660<br>Qualifying DTI below maximum allowed - DTI 23%, MAXIMUM IS 50% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5772761 |
| XXXX | XXXX | 9613781 D A | Closed | FCRE1437 | 2025-10-06 10:31 | 2025-10-14 13:05 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Lender confirmed the primary housing expense is $514.41, the DTI is within guidelines. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. 1) Loan is Alt. Doc. using 12 months bank statements to qualify.<br> 2) Business Verification.<br> 3) 1008. Ratio allowed up to 50%, as per guideline. - Buyer-10/14/2025 <br> Open-Income and Employment Do Not Meet Guidelines CALCULATION OF TAXES/INSURANCE FOR PRIMARY ARE - XXXX AND OTHER REO XXXX. 1008 INDICATES $1000 SUPPLEMENTAL INSURANCE AND XXXX and TOTAL PAYMENT OF - XXXX ,DTI IS OFF, 1008 INDICATES 33.137%, TAPE INDICATES 30%, UW DTI CALCULATION IS 23.51%, NEED ADDITIONAL DOCUMENTATION TO SUPPORT 30% - Due Diligence Vendor-10/06/2025 |  | Resolved-Lender confirmed the primary housing expense is XXXX, the DTI is within guidelines. - Due Diligence Vendor-10/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO IS 793, MINIMUM FICO IS 660<br>Qualifying DTI below maximum allowed - DTI 23%, MAXIMUM IS 50% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5783110 |
| XXXX | XXXX | 9613785 D A | Closed | FCRE6019 | 2025-10-06 16:15 | 2025-11-17 12:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received I-551 Permanent Resident card front and back. - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. Back of Green card - Buyer-11/11/2025 <br>Counter-Received duplicate copy with top of back side cut off-please provide complete legible back side copy of perm resident alien card. - Due Diligence Vendor-10/15/2025 <br>Ready for Review-Document Uploaded. Front and back - Buyer-10/13/2025 <br>Open-Unable to confirm that the green card is on form I-551, as the back of the document appears to be cutoff. - Due Diligence Vendor-10/06/2025 |  | Resolved-Received I-551 Permanent Resident card front and back. - Due Diligence Vendor-11/17/2025<br>| Months Reserves exceed minimum required - Need 3 months reserves - have 20.36 reserves verified.<br>Qualifying DTI below maximum allowed - DTI Max is 50% - we are at 34.08% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5792391 |
| XXXX | XXXX | 9613785 D A | Closed | FCRE3653 | 2025-10-06 16:17 | 2025-10-15 12:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received Lox from UW for difference in income calculation. - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. LOX from UW - Buyer-10/14/2025 <br> Open-If income calculated is significantly different than income stated on the 1003, the underwriter should request an explanation from the borrower to determine acceptability of the income. The letter of explanation can come from the Loan Officer or Underwriter. Initial 1003 reflects income of XXXX, calculated income was XXXX. - Due Diligence Vendor-10/06/2025 |  | Resolved-Received Lox from UW for difference in income calculation. - Due Diligence Vendor-10/15/2025<br>| Months Reserves exceed minimum required - Need 3 months reserves - have 20.36 reserves verified.<br>Qualifying DTI below maximum allowed - DTI Max is 50% - we are at 34.08% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5792423 |
| XXXX | XXXX | 9555115 C A | Closed | FCRE8701 | 2025-10-07 08:00 | 2025-10-08 14:04 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received business entity documentation. - Due Diligence Vendor-10/08/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-10/07/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. EIN and all formation documentation missing from loan file. Additional conditions may apply. - Due Diligence Vendor-10/07/2025 |  | Resolved-Received business entity documentation. - Due Diligence Vendor-10/08/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 14.54<br>Long term residence - Borrower has resided in primary for 3 years and 11 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5799710 |
| XXXX | XXXX | 9555115 C A | Closed | FPRO0025 | 2025-10-07 08:41 | 2025-10-08 13:50 | Resolved | 1 - Information C A | Property | Property Issue | Smoke Detector/Carbon Monoxide detector has issues | Resolved-Upon further review, appraiser did not note any deficiencies, nothing further is needed or required - Due Diligence Vendor-10/08/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-10/07/2025 <br>Open-CO alarms are required in all newly constructed one and two-family dwellings and town homes not more than three stories and all rental properties. Subject is a rental, appraiser did not comment - Due Diligence Vendor-10/07/2025 |  | Resolved-Upon further review, appraiser did not note any deficiencies, nothing further is needed or required - Due Diligence Vendor-10/08/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 14.54<br>Long term residence - Borrower has resided in primary for 3 years and 11 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5800271 |
| XXXX | XXXX | 9555126 C A | Closed | FCRE8701 | 2025-10-07 09:47 | 2025-10-09 13:17 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received business entity documentation. - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-10/08/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. All entity formation documentation is missing from the loan file. Additional conditions may apply. - Due Diligence Vendor-10/07/2025 |  | Resolved-Received business entity documentation. - Due Diligence Vendor-10/09/2025<br>| Long term residence - Borrower has resided in primary for 3 years and 11 months<br>Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 14.31 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5801308 |
| XXXX | XXXX | 9857411 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9613753 C B A | Closed | FCRE2244 | 2025-10-06 15:25 | 2025-10-10 10:02 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, the loan file contains and SSR with a CU score of 1. - Due Diligence Vendor-10/10/2025 <br> Counter-Please provide appraisal review produce-secondary valuation supporting appraised value. SSRs or Desk Review. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. pls advise why a 2nd appraisal is neede, loan amount is only XXXX. TY - Buyer-10/08/2025 <br> Open-Property Issues are identified for the property SECOND VALUATION ABSENT THE LOAN FILE. - Due Diligence Vendor-10/06/2025 |  | Resolved-Upon further review, the loan file contains and SSR with a CU score of 1. - Due Diligence Vendor-10/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - <br>Months Reserves exceed minimum required - Reserves = 108.33 months – Required Reserves = 3 Months |  | 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 | 5791203 |
| XXXX | XXXX | 9613753 C B A | Closed | FCRE1510 | 2025-10-05 10:11 | 2025-10-09 13:45 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Document Uploaded. complete copy of mtg - Buyer-10/08/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description - Due Diligence Vendor-10/05/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - <br>Months Reserves exceed minimum required - Reserves = 108.33 months – Required Reserves = 3 Months |  | 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 | 5776947 |
| XXXX | XXXX | 9613753 C B A | Closed | FCRE8201 | 2025-10-07 12:18 | 2025-10-07 12:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted to allow for - Cash Out Seasoning under 6 months. <br> Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-10/07/2025 <br>Open-Client exception granted to allow for - Cash Out Seasoning under 6 months. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-10/07/2025 |  | Waived-Client exception granted to allow for - Cash Out Seasoning under 6 months. <br> Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-10/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - <br>Months Reserves exceed minimum required - Reserves = 108.33 months – Required Reserves = 3 Months | FICO 20 points or more above requirements<br> Total Debt 10% or more under requirement<br> Reserves 12+ months more than requirement<br> Residual Income $XX or more<br> Long Term Employment (>5 years)<br> Long Term Homeownership (>5 years) |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 5806176 |
| XXXX | XXXX | 9303134 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 9502097 D A | Closed | FCRE1325 | 2025-10-07 13:41 | 2025-10-15 16:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA letter and CPA verification. - Due Diligence Vendor-10/15/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-10/14/2025 <br>Counter-Received duplicate letter-please provide CPA license validation as number not included on letter. - Due Diligence Vendor-10/10/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-10/09/2025 <br>Open-Borrower 1 CPA Letter Missing CPA license not provided - Due Diligence Vendor-10/07/2025 |  | Resolved-Received CPA letter and CPA verification. - Due Diligence Vendor-10/15/2025<br>| Months Reserves exceed minimum required - 128 months PITIA reserves; 3 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 26%; max permitted 50%. |  | 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 | 5807956 |
| XXXX | XXXX | 9356676 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9613750 D A C | Closed | FCRE5782 | 2025-10-07 23:08 | 2025-10-10 11:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-After further review, the gap credit report is in the loan file. - Due Diligence Vendor-10/10/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/08/2025 |  | Resolved-After further review, the gap credit report is in the loan file. - Due Diligence Vendor-10/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO IS 730, MINIMUM IS 700<br>Months Reserves exceed minimum required - 3 MONTHS RESERVES REQUIRED, BORROWER HAS 21.38 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5814361 |
| XXXX | XXXX | 9613750 D A C | Closed | FCRE5783 | 2025-10-07 23:08 | 2025-10-10 11:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-10/10/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-10/08/2025 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-10/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO IS 730, MINIMUM IS 700<br>Months Reserves exceed minimum required - 3 MONTHS RESERVES REQUIRED, BORROWER HAS 21.38 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5814362 |
| XXXX | XXXX | 9613750 D A C | Closed | FVAL1563 | 2025-10-08 14:49 | 2025-10-09 20:36 | Resolved | 1 - Information C A | Property | Appraisal | Unsupported adjustments or comps | Resolved-The appraisal includes comments on why the gross adjustments are higher than what is typical. - Due Diligence Vendor-10/10/2025 <br>Open-4 out of 5 comps have gross adjustment >25% - Due Diligence Vendor-10/08/2025 |  | Resolved-The appraisal includes comments on why the gross adjustments are higher than what is typical. - Due Diligence Vendor-10/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO IS 730, MINIMUM IS 700<br>Months Reserves exceed minimum required - 3 MONTHS RESERVES REQUIRED, BORROWER HAS 21.38 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5825575 |
| XXXX | XXXX | 9694019 D A | Closed | FCRE1152 | 2025-10-09 13:24 | 2025-10-13 12:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax estimates from closing attorney. - Due Diligence Vendor-10/13/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-10/10/2025 <br>Open-Missing Evidence of Property Tax Missing from loan file. Title/tax cert not on title policy - Due Diligence Vendor-10/09/2025 |  | Resolved-Received tax estimates from closing attorney. - Due Diligence Vendor-10/13/2025<br>| Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 19.84 months.<br>LTV is less than guideline maximum - Max LTV is 75%; qualifying LTV is 72.42%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5840447 |
| XXXX | XXXX | 9857559 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9917881 D A | Closed | FCRE1158 | 2025-10-14 10:08 | 2025-11-10 10:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Corrected HUD and HOI received. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. - Seller-11/07/2025 <br> Ready for Review-Document Uploaded. Corrected Final HUD shows on line number 903 that insurance collected is XXXX (XXXX monthly). HOI policy Page 2 (highlighted in blue) shows the premium total as XXXX. Originally the incorrect HOI policy was uploaded to the file and the incorrect insurance amount was calculated for closing. The borrower had seen this and told us we had the incorrect amount. Correct HOI was given and amount was updated. - Seller-11/06/2025 <br> Counter-HOI policy provided, however the premium is the same. Please provide HOI policy matching settlement statement and clarification - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Seller-11/04/2025 <br> Counter-Received settlement statement and HOI policy for another property- XXXX-provide for subject property. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. HOI Policy shows the dwelling coverage as XXXX which is more than the laon amount. Coverage should be sufficient. Premium on the policy reflects the amount of XXXX which also shows on the Final HUD. There should be no discrepancy in these numbers. - Seller-10/29/2025 <br> Counter-Received copy of email from title-unable to confirm escrow amount of XXXX and annual XXXX (XXXX monthly) for HOI while policy received reflects premium of XXXX or XXXX monthly. Please provide HOI policy matching settlement statement and clarification - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-10/22/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Please provide policy providing proof of lower premium used by lender and Hud-1 settlement statement. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-11/07/2025 <br> Ready for Review-Document Uploaded. Corrected Final HUD shows on line number XXXX that insurance collected is XXXX. HOI policy Page 2 (highlighted in blue) shows the premium total as XXXX. Originally the incorrect HOI policy was uploaded to the file and the incorrect insurance amount was calculated for closing. The borrower had seen this and told us we had the incorrect amount. Correct HOI was given and amount was updated. - Seller-11/06/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Seller-11/04/2025 <br> Ready for Review-Document Uploaded. HOI Policy shows the dwelling coverage as XXXX which is more than the laon amount. Coverage should be sufficient. Premium on the policy reflects the amount of XXXX which also shows on the Final HUD. There should be no discrepancy in these numbers. - Seller-10/29/2025 | Resolved-Corrected HUD and HOI received. - Due Diligence Vendor-11/10/2025<br>| DSCR % greater than 1.20 - DSCR: 1.764 Min 1.0<br>Months Reserves exceed minimum required - Reserves: 85.87 Min 3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5885651 |
| XXXX | XXXX | 9917881 D A | Closed | FCRE6618 | 2025-10-14 10:11 | 2025-11-03 13:30 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received updated 1003. - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-10/31/2025 <br>Counter-Received revised 1003 reflecting REO-DSCR loans should not reflect employment or income. Please correct 1003. - Due Diligence Vendor-10/30/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-10/30/2025 <br>Open-The Final 1003 is Incomplete Loan application is incomplete in that it does not list all real estate owned by borrower, including subject being refinanced. Per guidelines Section 5.5 The application should otherwise be fully completed including the Schedule of Real Estate Owned listing all properties owned and reflective of any associated mortgages (including private mortgages). - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-10/31/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-10/30/2025<br>| Resolved-Received updated 1003. - Due Diligence Vendor-11/03/2025<br>| DSCR % greater than 1.20 - DSCR: 1.764 Min 1.0<br>Months Reserves exceed minimum required - Reserves: 85.87 Min 3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5885690 |
| XXXX | XXXX | 9917881 D A | Closed | FCRE0140 | 2025-10-14 09:51 | 2025-10-23 12:40 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Received confirmation of XXXX was attached to property per title. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-10/22/2025 <br> Open-DSCR loan does not meet program guidelines. Hud-1 settlement statement reflects a payoff to an unknown person/debt in the amount of XXXX. Loan file does not contain a payoff or an explanation of debt being paid off. Provide proof not a personal debt which is not allowed under the DSCR program. Subject to additional conditions. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-10/22/2025<br>| Resolved-Received confirmation of XXXX was attached to property per title. - Due Diligence Vendor-10/23/2025 | DSCR % greater than 1.20 - DSCR: 1.764 Min 1.0<br>Months Reserves exceed minimum required - Reserves: 85.87 Min 3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5885387 |
| XXXX | XXXX | 9917881 D A | Closed | FCRE1440 | 2025-10-13 13:11 | 2025-10-22 09:58 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received rent free letter from the owner (XXXX). - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. XXXX is theXXXX which is stated in the email chain. The XXXX was the monies owed on the property from the original purchase. - Seller-10/20/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing documentation which aligns with individual that provide the rent free letters and the owner reflected on the primary residence property report. Other findings may apply. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. XXXX is the XXXX which is stated in the email chain. The XXXX was the monies owed on the property from the original purchase. - Seller-10/20/2025 | Resolved-Received rent free letter from the owner (XXXX). - Due Diligence Vendor-10/22/2025 | DSCR % greater than 1.20 - DSCR: 1.764 Min 1.0<br>Months Reserves exceed minimum required - Reserves: 85.87 Min 3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5874406 |
| XXXX | XXXX | 9768905 C A | Closed | FCRE2244 | 2025-10-15 07:41 | 2025-11-07 08:51 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-1004D provided confirming stove in basement was removed. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-11/06/2025 <br> Open-Property Issues are identified for the property Basement has a kitchen with stove. Appraiser did not comment that it is legally permitted and complies with all local health and safety laws. XXXX guide: If the kitchen has multiple kitchens: XXXX does not automatically disqualify a home with a second kitchen, but both must be legally permitted and comply with all local health and safety laws. - Due Diligence Vendor-10/15/2025 |  | Resolved-1004D provided confirming stove in basement was removed. - Due Diligence Vendor-11/07/2025<br>| Months Reserves exceed minimum required - 6.73 months PITIA reserves; 3 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 35.71%; max permitted 50%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5898379 |
| XXXX | XXXX | 9857673 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9768913 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9388858 C A | Closed | FCRE1203 | 2025-10-20 17:37 | 2025-10-30 12:06 | Resolved | 1 - Information C A | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | Resolved-Received documentation confirming property is commercial. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-10/28/2025 <br> Counter-Received property profile confirming borrower owns XXXXand XXXX. Documents provided indicate property is residential. Please provide proof of PITIA for addresses and updated 1003 reflecting debts. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. Business address is XXXX. It's listed on the final application as such. - Buyer-10/23/2025 <br> Counter-Received property report reflecting property XXXX andXXXX are owned by borrower. Provide clarification as not disclosed or considered on 1003 and ratios. Additional conditions may apply. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-10/22/2025 <br> Open-Potential Fraud Reflected on Fraud Report Provide evidence borrower does not own undisclosed property reflected on fraud report, proof borrower does not own - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-10/28/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-10/22/2025<br>| Resolved-Received documentation confirming property is commercial. - Due Diligence Vendor-10/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO IS 746, MINIMUM 700<br>Months Reserves exceed minimum required - BORROWER HAS 157.34 MONTHS RESERVES, 3 MONTHS REQUIRED. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5951710 |
| XXXX | XXXX | 9388858 C A | Closed | finding-3532 | 2025-10-20 09:22 | 2025-10-23 16:55 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received email confirming borrower received CD XXXX on same day. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-10/21/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXXX First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD XXXX is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of XXXX. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-10/20/2025 |  | Resolved-Received email confirming borrower received CD XXXX on same day. - Due Diligence Vendor-10/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO IS 746, MINIMUM 700<br>Months Reserves exceed minimum required - BORROWER HAS 157.34 MONTHS RESERVES, 3 MONTHS REQUIRED. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5945060 |
| XXXX | XXXX | 9388858 C A | Closed | FCRE1510 | 2025-10-20 11:06 | 2025-10-23 12:12 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received rider and complete security instrument. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-10/22/2025 <br> Counter-Received preliminary title legal-please provide complete security instrument with legal description attached in chain. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-10/21/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing XXXX Title Insurance Rider. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-10/21/2025<br>| Resolved-Received rider and complete security instrument. - Due Diligence Vendor-10/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO IS 746, MINIMUM 700<br>Months Reserves exceed minimum required - BORROWER HAS 157.34 MONTHS RESERVES, 3 MONTHS REQUIRED. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5946322 |
| XXXX | XXXX | 9388858 C A | Closed | FCRE2244 | 2025-10-20 16:25 | 2025-10-22 12:16 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received original, color appraisal. - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Document Uploaded. Full appraisal with colored subject photos and subject photo addendum uploaded for review - Buyer-10/21/2025 <br>Open-Property Issues are identified for the property Provide color photos of appraisal. Digital provided and not clear - Due Diligence Vendor-10/21/2025 |  | Resolved-Received original, color appraisal. - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO IS 746, MINIMUM 700<br>Months Reserves exceed minimum required - BORROWER HAS 157.34 MONTHS RESERVES, 3 MONTHS REQUIRED. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5951055 |
| XXXX | XXXX | 9857519 D B A | Closed | FCRE1345 | 2025-10-21 16:38 | 2025-10-24 14:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Received Signed Lease agreeement. - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. signed lease - Seller-10/23/2025 <br>Open-Borrower 1 Lease Agreements Missing Lease for subject property is not signed - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. signed lease - Seller-10/23/2025<br>| Resolved-Received Signed Lease agreeement. - Due Diligence Vendor-10/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying scores is 767, guideline requires 660<br>LTV is less than guideline maximum - Qualifying LTV is 68%, guidelines require 80% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5964480 |
| XXXX | XXXX | 9857519 D B A | Closed | FCRE8702 | 2025-10-21 16:26 | 2025-10-21 16:39 | Waived | 2 - Non-Material C B | Credit | Borrower | Business Entity Formation Document is Incomplete | Waived-Originator exception granted to allow no attorney opinion letter . Non-material waiver applied with comp factors. Deemed non-material due to common for small LLC entities. - Due Diligence Vendor-10/21/2025 <br>Open-The Business Entity Formation Document is incomplete Missing attorney opinion letter - Due Diligence Vendor-10/21/2025 |  | Waived-Originator exception granted to allow no attorney opinion letter . Non-material waiver applied with comp factors. Deemed non-material due to common for small LLC entities. - Due Diligence Vendor-10/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying scores is 767, guideline requires 660<br>LTV is less than guideline maximum - Qualifying LTV is 68%, guidelines require 80% | LTV 10% under max<br> FICO 20 points over minimum<br> DTI 10% under max<br> Reserves 12+ over minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 5964291 |
| XXXX | XXXX | 9694026 C B A | Closed | FCRE2244 | 2025-10-22 07:04 | 2025-10-29 13:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client waiver applied to non-material finding. Exception for appraisal not ordered from an XXXX but is AIR compliant. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. Appraisal not ordered through XXXX but proof XXXX is XXXX Compliant - Buyer-10/29/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-10/29/2025 <br> Counter-Received closing document worksheet-missing (1) Appraisal reflects "No XXXX." Guideline requires All appraisals must be ordered through an Appraisal Management Company (XXXX). Appraisals that are not ordered through an XXXX but are AIR compliant can be accepted with prior investor approval. (2) Appraisal does not indicate stoves and refrigerators in both units and pictures do not contain a stove or refrigerator in each unit - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-10/24/2025 <br> Open-Property Issues are identified for the property (1) Appraisal reflects "No XXXX." Guideline requires All appraisals must be ordered through an Appraisal Management Company (AMC). Appraisals that are not ordered through an XXXX but are XXXX compliant can be accepted with prior investor approval.<br> (2) Appraisal does not indicate stoves and refrigerators in both units and pictures do not contain a stove or refrigerator in each unit - Due Diligence Vendor-10/22/2025 |  | Waived-Client waiver applied to non-material finding. Exception for appraisal not ordered from an XXXX but is XXXX compliant. - Due Diligence Vendor-10/29/2025 | Months Reserves exceed minimum required - Reserves: 11.90 Min 3<br>DSCR % greater than 1.20 - DSCR: 1.438 Min 1 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 5968278 |
| XXXX | XXXX | 9694026 C B A | Closed | FCRE1148 | 2025-10-22 06:55 | 2025-10-27 11:56 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-10/23/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title coverage is less than loan amount. - Due Diligence Vendor-10/22/2025 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-10/27/2025<br>| Months Reserves exceed minimum required - Reserves: 11.90 Min 3<br>DSCR % greater than 1.20 - DSCR: 1.438 Min 1 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5968228 |
| XXXX | XXXX | 9694027 C A | Closed | FPRO1257 | 2025-10-21 18:11 | 2025-10-23 13:44 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. CDA uploaded for review - Buyer-10/22/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing Collateral Desktop Analysis (CDA) from XXXX, Appraisal Risk Review (ARR) from XXXX, or similar independent vendor as required since XXXX and XXXX are unable to score on multi-unit properties. - Due Diligence Vendor-10/22/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-10/23/2025<br>| Months Reserves exceed minimum required - Reserves: 6.98 Min 3<br>DSCR % greater than 1.20 - DSCR: 1.431, Min 1 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5965603 |
| XXXX | XXXX | 9857674 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9857742 D B A | Closed | FCRE1241 | 2025-10-23 14:35 | 2026-01-28 14:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase contract received with entity change to XXXX. - Due Diligence Vendor-10/28/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is Missing. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. Sales contract - Seller-10/24/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is Missing. Missing the purchase agreement. - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. Sales contract - Seller-10/24/2025<br>| Resolved-Purchase contract received with entity change to XXXX. - Due Diligence Vendor-10/28/2025 | Months Reserves exceed minimum required - min 3 month reserves - qualifying 92.5 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - min 700 qualifying 750 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5993438 |
| XXXX | XXXX | 9857742 D B A | Closed | FCRE0700 | 2025-10-28 15:45 | 2025-11-03 13:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Lender provided receipt showing that XXXX was paid as a lump sum to appraiser on 4 loans - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. see enclosed... paid for several at the same time - Seller-10/31/2025 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Final settlement is in file, however, the 800.00 appraisal fee was not listed<br> - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. see enclosed... paid for several at the same time - Seller-10/31/2025<br>| Resolved-Lender provided receipt showing that XXXX was paid as a lump sum to appraiser on 4 loans - Due Diligence Vendor-11/03/2025 | Months Reserves exceed minimum required - min 3 month reserves - qualifying 92.5 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - min 700 qualifying 750 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6042942 |
| XXXX | XXXX | 9857742 D B A | Closed | FCRE3653 | 2025-10-28 15:44 | 2025-11-03 13:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Lender provided LOX as to why Seller is still managing property - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. PROPERTY MGMT LOE - Seller-10/31/2025 <br>Open-Provide an LOX as to why the seller is still managing the property rentals after sale. - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. PROPERTY MGMT LOE - Seller-10/31/2025<br>| Resolved-Lender provided LOX as to why Seller is still managing property - Due Diligence Vendor-11/03/2025<br>| Months Reserves exceed minimum required - min 3 month reserves - qualifying 92.5 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - min 700 qualifying 750 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6042936 |
| XXXX | XXXX | 9857742 D B A | Closed | FCRE1254 | 2025-10-28 15:44 | 2025-11-03 13:02 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Title company confirmed that there is no HOA , nor is subject a PUD - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. Title verification not a PUD - Seller-10/31/2025 <br> Open-Property Title Issue Title shows subject lies within a private gated community. Appraisal says roads are public and is in a Fence/Gated community. Leases all show: (a) "XXXX" (b) Section 12(c) shows HOA Rules (c) Community Center/Gym/Playground Rules (d) Tenants are to use the XXXX Tenant Portal; that website markets the entire project as Apartments (condos?) managed by XXXX (Seller). Title does NOT show any CC&R's outside of the standard (no HOA/PUD CC&Rs) or agreements for maintenance of private gated community. Appraisal does NOT show part of an HOA. Subject appears to be under an HOA that is not reflected or addressed. If subject is subject to CC & R's, will need appraisal to be updated with HOA info - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. Title verification not a PUD - Seller-10/31/2025<br>| Resolved-Title company confirmed that there is no HOA , nor is subject a PUD - Due Diligence Vendor-11/03/2025<br>| Months Reserves exceed minimum required - min 3 month reserves - qualifying 92.5 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - min 700 qualifying 750 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6042931 |
| XXXX | XXXX | 9857742 D B A | Closed | FCRE8702 | 2025-10-28 15:44 | 2025-11-03 13:01 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received proof that there was no relationship - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. XXXXX - Seller-10/31/2025 <br> Open-The Business Entity Formation Document is incomplete Provide operating Agreement for XXXX to confirm that there is no relationship between buyer and seller - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. XXXX - Seller-10/31/2025<br>| Resolved-Received proof that there was no relationship - Due Diligence Vendor-11/03/2025<br>| Months Reserves exceed minimum required - min 3 month reserves - qualifying 92.5 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - min 700 qualifying 750 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6042928 |
| XXXX | XXXX | 9857742 D B A | Closed | FCRE5782 | 2025-10-24 11:33 | 2025-10-28 15:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Reviewed as XXXX DSCR; no longer required. - Due Diligence Vendor-10/28/2025 <br> Counter-Guidelines for NonQM DSCR require credit gap report. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-per guidelines, a GAP report is not applicable for our DSCR (XXXX) LOANS - Seller-10/24/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/24/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing the required GAP credit report. - Due Diligence Vendor-10/24/2025 | Ready for Review-per guidelines, a GAP report is not applicable for our DSCR (XXXX) LOANS - Seller-10/24/2025 | Resolved-Reviewed as Prime DSCR; no longer required. - Due Diligence Vendor-10/28/2025<br>| Months Reserves exceed minimum required - min 3 month reserves - qualifying 92.5 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - min 700 qualifying 750 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6005914 |
| XXXX | XXXX | 9857742 D B A | Closed | FCRE3599 | 2025-10-24 11:47 | 2025-10-24 11:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator Approved exception form in the file for financed properties. Non-material with comp factors. - Due Diligence Vendor-10/28/2025 <br> Open-Borrower has 12 loans totaling (total loan XXXX). Looking to close another 4 for same borrower/entity. Requesting an exception to exceed max concentration of 10 loans to one borrower. - Due Diligence Vendor-10/24/2025 |  | Waived-Originator Approved exception form in the file for financed properties. Non-material with comp factors. - Due Diligence Vendor-10/28/2025<br>| Months Reserves exceed minimum required - min 3 month reserves - qualifying 92.5 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - min 700 qualifying 750 | FICO 20 points or more above requirement, DSCR is 1.25 or greater. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 6006521 |
| XXXX | XXXX | 9857739 D B A | Closed | FCRE0700 | 2025-10-28 13:44 | 2025-11-03 13:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Lender provided receipt showing that XXXX was paid as a lump sum to appraiser on 4 loans<br> - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. paid for several appraisals same time - Seller-10/31/2025 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Final settlement is in file, however, the 800.00 appraisal fee was not listed - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. paid for several appraisals same time - Seller-10/31/2025<br>| Resolved-Lender provided receipt showing that XXXX was paid as a lump sum to appraiser on 4 loans<br> - Due Diligence Vendor-11/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score is 750, guidelines require 660<br>Months Reserves exceed minimum required - Qualifying reserves 118 months, guidelines require 3 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6040569 |
| XXXX | XXXX | 9857739 D B A | Closed | FCRE3978 | 2025-10-28 13:38 | 2025-11-03 13:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Lender provided LOX as to why Seller is still managing property<br> - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. property mgmt LOE - Seller-10/31/2025 <br>Open-Provide an LOX as to why the seller is still managing the property rentals after sale. - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. property mgmt LOE - Seller-10/31/2025<br>| Resolved-Lender provided LOX as to why Seller is still managing property<br> - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score is 750, guidelines require 660<br>Months Reserves exceed minimum required - Qualifying reserves 118 months, guidelines require 3 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6040449 |
| XXXX | XXXX | 9857739 D B A | Closed | FCRE1254 | 2025-10-28 13:34 | 2025-11-03 13:05 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Title company confirmed that there is no HOA , nor is subject a PUD<br> - Due Diligence Vendor-11/03/2025 <br> Ready for Review-PLEASE CLARIFY WHAT YOU ARE LOOKING FOR - Seller-10/31/2025 <br> Open-Title shows our entity (XXXX) as Proposed Insured, but Exceptions do not show Title reviewed the entity - Due Diligence Vendor-10/28/2025 <br> Open-Property Title Issue Title shows subject lies within a private gated community. Appraisal says roads are public and is in a Fence/Gated community. Leases all show: (a) "XXXX" (b) Section 12(c) shows HOA Rules (c) Community Center/Gym/Playground Rules (d) Tenants are to use the XXXX Tenant Portal; that website markets the entire project as Apartments (condos?) managed by XXXX (Seller). Title does NOT show any CC&R's outside of the standard (no HOA/PUD CC&Rs) or agreements for maintenance of private gated community. Appraisal does NOT show part of an HOA. Subject appears to be under an HOA that is not reflected or addressed. If subject is subject to CC & R's, will need appraisal to be updated with HOA info.<br> - Due Diligence Vendor-10/28/2025 | Ready for Review-PLEASE CLARIFY WHAT YOU ARE LOOKING FOR - Seller-10/31/2025<br>| Resolved-Title company confirmed that there is no HOA , nor is subject a PUD<br> - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score is 750, guidelines require 660<br>Months Reserves exceed minimum required - Qualifying reserves 118 months, guidelines require 3 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6040362 |
| XXXX | XXXX | 9857739 D B A | Closed | FCRE8702 | 2025-10-28 13:30 | 2025-11-03 13:05 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received proof that there was no relationship<br> - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-10/31/2025 <br> Open-The Business Entity Formation Document is incomplete Provide operating Agreement for XXXX to confirm that there is no relationship between buyer and seller - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. XXXX - Seller-10/31/2025<br>| Resolved-Received proof that there was no relationship<br> - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score is 750, guidelines require 660<br>Months Reserves exceed minimum required - Qualifying reserves 118 months, guidelines require 3 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6040291 |
| XXXX | XXXX | 9857739 D B A | Closed | FCRE1241 | 2025-10-23 12:16 | 2025-10-28 13:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received purchase contract executed by another party other than buyer. Must meet guidelines section 5. Resolution provided states that the borrower is the only member that has authority to sign, - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Document Uploaded. sales contract - Seller-10/24/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. Purchase Contract Missing - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. sales contract - Seller-10/24/2025<br>| Resolved-Received purchase contract executed by another party other than buyer. Must meet guidelines section 5. Resolution provided states that the borrower is the only member that has authority to sign, - Due Diligence Vendor-10/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score is 750, guidelines require 660<br>Months Reserves exceed minimum required - Qualifying reserves 118 months, guidelines require 3 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5990470 |
| XXXX | XXXX | 9857739 D B A | Closed | FCRE5782 | 2025-10-23 12:35 | 2025-10-27 17:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit not required in XXXX guides - Due Diligence Vendor-10/27/2025 <br> Counter-Guidelines for Non QM DSCR require credit gap report. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-per guidelines, our DSCR loans do not require a GAP report - Seller-10/24/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/23/2025 | Ready for Review-per guidelines, our DSCR loans do not require a GAP report - Seller-10/24/2025<br>| Resolved-Gap credit not required in XXXX guides - Due Diligence Vendor-10/27/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score is 750, guidelines require 660<br>Months Reserves exceed minimum required - Qualifying reserves 118 months, guidelines require 3 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5990814 |
| XXXX | XXXX | 9857739 D B A | Closed | FCRE1455 | 2025-10-23 13:02 | 2025-10-27 13:47 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Received complete statement for XXXX. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. one month XXXX stmt - Seller-10/24/2025 <br> Open-Asset 1 Less Than 2 Months Verified Guidelines state 1 month of assets, the statement is only 15 days. - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. one month Dime stmt - Seller-10/24/2025<br>| Resolved-Received complete statement for XXXX. - Due Diligence Vendor-10/27/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score is 750, guidelines require 660<br>Months Reserves exceed minimum required - Qualifying reserves 118 months, guidelines require 3 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5991310 |
| XXXX | XXXX | 9857739 D B A | Closed | FCRE8201 | 2025-10-23 17:17 | 2025-10-23 18:25 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow for - exception for XXXX exposure over XX loans / XX. <br> Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-10/23/2025 <br> Open-Exception for XXXX Exposure over XXloans/XX- Due Diligence Vendor-10/23/2025 |  | Waived-Originator exception granted to allow for - exception for XXXX exposure ove XX loans /XX. <br> Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-10/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score is 750, guidelines require 660<br>Months Reserves exceed minimum required - Qualifying reserves 118 months, guidelines require 3 months | FICO 20 points or more above requirement<br> DSCR 1.25 or greater |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 5996822 |
| XXXX | XXXX | 9857740 D B A | Closed | FCRE1241 | 2025-10-23 09:01 | 2026-01-28 14:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Ready for Review-Document Uploaded. enclosed entity amendment was previously provided - Seller-10/27/2025 <br>Counter-Purchase agreement provided, however it does not disclose the borrower as the buyer and appears to have been signed by a different buyer.<br> - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. enclosed - Seller-10/23/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. enclosed entity amendment was previously provided - Seller-10/27/2025 <br>Ready for Review-Document Uploaded. enclosed - Seller-10/23/2025<br>|  | Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit scores of 750, guidelines require 700<br>Months Reserves exceed minimum required - Qualifying reserves are 93 months, guidelines require 3 months. <br>DSCR % greater than 1.20 - 1.32 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5986027 |
| XXXX | XXXX | 9857740 D B A | Closed | FCRE0700 | 2025-10-28 15:17 | 2025-11-03 13:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Lender provided receipt showing that XXXX was paid as a lump sum to appraiser on XX loans - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. PAID SEVERAL APPRAISALS SAME TIME - Seller-10/31/2025 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Final settlement is in file, however, the XXXX appraisal fee was not listed<br> - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. PAID SEVERAL APPRAISALS SAME TIME - Seller-10/31/2025<br>| Resolved-Lender provided receipt showing that XXXX was paid as a lump sum to appraiser on XX loans - Due Diligence Vendor-11/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit scores of 750, guidelines require 700<br>Months Reserves exceed minimum required - Qualifying reserves are 93 months, guidelines require 3 months. <br>DSCR % greater than 1.20 - 1.32 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6042451 |
| XXXX | XXXX | 9857740 D B A | Closed | FCRE3978 | 2025-10-28 15:16 | 2025-11-03 13:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Lender provided LOX as to why Seller is still managing property<br> - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. property management LOE - Seller-10/31/2025 <br>Open-Provide an LOX as to why the seller is still managing the property rentals after sale. - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. property management LOE - Seller-10/31/2025<br>| Resolved-Lender provided LOX as to why Seller is still managing property<br> - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit scores of 750, guidelines require 700<br>Months Reserves exceed minimum required - Qualifying reserves are 93 months, guidelines require 3 months. <br>DSCR % greater than 1.20 - 1.32 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6042444 |
| XXXX | XXXX | 9857740 D B A | Closed | FCRE1254 | 2025-10-28 15:16 | 2025-11-03 13:07 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Title company confirmed that there is no HOA , nor is subject a PUD<br> - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. TITLE VERIFICATION NOT A PUD - Seller-10/31/2025 <br> Open-Property Title Issue Title shows subject lies within a private gated community. Appraisal says roads are public and is in a Fence/Gated community. Leases all show: (a) "XXXX" (b) Section 12(c) shows HOA Rules (c) Community Center/Gym/Playground Rules (d) Tenants are to use the XXXX; that website markets the entire project as Apartments (condos?) managed by XXXX(Seller). Title does NOT show any CC&R's outside of the standard (no HOA/PUD CC&Rs) or agreements for maintenance of private gated community. Appraisal does NOT show part of an HOA. Subject appears to be under an HOA that is not reflected or addressed. If subject is subject to CC & R's, will need appraisal to be updated with HOA info - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. TITLE VERIFICATION NOT A PUD - Seller-10/31/2025<br>| Resolved-Title company confirmed that there is no HOA , nor is subject a PUD<br> - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit scores of 750, guidelines require 700<br>Months Reserves exceed minimum required - Qualifying reserves are 93 months, guidelines require 3 months. <br>DSCR % greater than 1.20 - 1.32 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6042439 |
| XXXX | XXXX | 9857740 D B A | Closed | FCRE8702 | 2025-10-28 15:15 | 2025-11-03 13:07 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received proof that there was no relationship<br> - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-10/31/2025 <br> Open-The Business Entity Formation Document is incomplete Provide operating Agreement for XXXX to confirm that there is no relationship between buyer and seller<br> - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. XXXX - Seller-10/31/2025<br>| Resolved-Received proof that there was no relationship<br> - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit scores of 750, guidelines require 700<br>Months Reserves exceed minimum required - Qualifying reserves are 93 months, guidelines require 3 months. <br>DSCR % greater than 1.20 - 1.32 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6042431 |
| XXXX | XXXX | 9857740 D B A | Closed | FCRE3599 | 2025-10-23 12:18 | 2025-10-23 13:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator exception granted to allow XX loans same borrower . Non-material waiver applied with comp factors. Deemed non-material due to dollar exposure still under XXXX - Due Diligence Vendor-10/23/2025 <br> Open-XX loans total same borrower exceeds the XX loan limit - Due Diligence Vendor-10/23/2025 |  | Waived-Originator exception granted to allow XX loans same borrower . Non-material waiver applied with comp factors. Deemed non-material due to dollar exposure still under XXXX - Due Diligence Vendor-10/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit scores of 750, guidelines require 700<br>Months Reserves exceed minimum required - Qualifying reserves are 93 months, guidelines require 3 months. <br>DSCR % greater than 1.20 - 1.32 | FICO 20 pts over min<br> DSCR > 1.25 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 5990507 |
| XXXX | XXXX | 9857741 D B A | Closed | FCRE0700 | 2025-10-28 15:31 | 2025-11-03 12:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received Receipt showing XXXX was paid as a one time fee to the appraisal company - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. paid for several appraisals same time - Seller-10/31/2025 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Final settlement is in file, however, the 800.00 appraisal fee was not listed - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. paid for several appraisals same time - Seller-10/31/2025<br>| Resolved-Received Receipt showing XXXX was paid as a one time fee to the appraisal company - Due Diligence Vendor-11/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit scores is 750, guides require 700<br>DSCR % greater than 1.20 - DSCR is 1.32 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6042705 |
| XXXX | XXXX | 9857741 D B A | Closed | FCRE3653 | 2025-10-28 15:31 | 2025-11-03 12:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Lender provided the letter which explains the Mgmt. agreement - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. Property management LOE - Seller-10/31/2025 <br>Open-Provide an LOX as to why the seller is still managing the property rentals after sale.<br> - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. Property management LOE - Seller-10/31/2025<br>| Resolved-Lender provided the letter which explains the Mgmt. agreement - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit scores is 750, guides require 700<br>DSCR % greater than 1.20 - DSCR is 1.32 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6042697 |
| XXXX | XXXX | 9857741 D B A | Closed | FCRE1254 | 2025-10-28 15:31 | 2025-11-03 12:57 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Title confirmed not part of an HOA or PUD - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. title verification not a PUD - Seller-10/31/2025 <br> Open-Property Title Issue Title shows subject lies within a private gated community. Appraisal says roads are public and is in a Fence/Gated community. Leases all show: (a) "XXXX" (b) Section 12(c) shows HOA Rules (c) Community Center/Gym/Playground Rules (d) Tenants are to use the XXXX; that website markets the entire project as Apartments (condos?) managed by XXXX (Seller). Title does NOT show any CC&R's outside of the standard (no HOA/PUD CC&Rs) or agreements for maintenance of private gated community. Appraisal does NOT show part of an HOA. Subject appears to be under an HOA that is not reflected or addressed. If subject is subject to CC & R's, will need appraisal to be updated with HOA info - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. title verification not a PUD - Seller-10/31/2025<br>| Resolved-Title confirmed not part of an HOA or PUD - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit scores is 750, guides require 700<br>DSCR % greater than 1.20 - DSCR is 1.32 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6042695 |
| XXXX | XXXX | 9857741 D B A | Closed | FCRE8702 | 2025-10-28 15:30 | 2025-11-03 12:57 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Lender provided proof there is no relationship - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-10/31/2025 <br> Open-The Business Entity Formation Document is incomplete Provide operating Agreement for XXXX to confirm that there is no relationship between buyer and seller - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. XXXX - Seller-10/31/2025<br>| Resolved-Lender provided proof there is no relationship - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit scores is 750, guides require 700<br>DSCR % greater than 1.20 - DSCR is 1.32 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6042693 |
| XXXX | XXXX | 9857741 D B A | Closed | FCRE1241 | 2025-10-22 09:56 | 2025-10-28 15:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase contract received with entity change to XXXX. <br> - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. the enclosed entity amendment was previously provided - Seller-10/27/2025 <br> Counter-Purchase agreement provided, however it does not disclose the borrower as the buyer and appears to have been signed by a different buyer. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. please see enclosed - Seller-10/23/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is Missing. - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. the enclosed entity amendment was previously provided - Seller-10/27/2025 <br>Ready for Review-Document Uploaded. please see enclosed - Seller-10/23/2025<br>| Resolved-Purchase contract received with entity change to XXXX. <br> - Due Diligence Vendor-10/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit scores is 750, guides require 700<br>DSCR % greater than 1.20 - DSCR is 1.32 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5970261 |
| XXXX | XXXX | 9857741 D B A | Closed | FCRE8887 | 2025-10-23 14:49 | 2025-10-24 15:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received DSCR Business Purpose Loan Application. - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. Per guidelines, it is acceptable to use the enclosed on DSCR loans - Seller-10/23/2025 <br>Open-Missing Final 1003 - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. Per guidelines, it is acceptable to use the enclosed on DSCR loans - Seller-10/23/2025<br>| Resolved-Received DSCR Business Purpose Loan Application. - Due Diligence Vendor-10/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit scores is 750, guides require 700<br>DSCR % greater than 1.20 - DSCR is 1.32 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5993716 |
| XXXX | XXXX | 9857741 D B A | Closed | FCRE3599 | 2025-10-23 14:53 | 2025-10-23 14:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-10/23/2025 <br> Open-EXCEPTION in file for XXXX Exposure over XX loans/XX. We closed XX loans for this borrower (total loan XXXX). Requesting an exception to exceed max concentration of XX loans to one borrower<br> - Due Diligence Vendor-10/23/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-10/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit scores is 750, guides require 700<br>DSCR % greater than 1.20 - DSCR is 1.32 | FICO 20 pts or more above requirement<br> DSCR 1.25 or greater |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 5993849 |
| XXXX | XXXX | 9694030 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9694018 C B A | Closed | FCRE7009 | 2025-10-24 19:40 | 2025-11-03 08:40 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received RCE confirming sufficient coverage. - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. RCE - Buyer-10/27/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. HOI in file does not provide sufficient hazard coverage. - Due Diligence Vendor-10/24/2025 |  | Resolved-Received RCE confirming sufficient coverage. - Due Diligence Vendor-10/29/2025<br>| LTV is less than guideline maximum - Maximum LTV is 70%, subject loan is 49.081%<br>Qualifying DTI below maximum allowed - Maximum DTI is 50%, qualifying DTI is 40.38% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6014673 |
| XXXX | XXXX | 9694018 C B A | Closed | FCRE1198 | 2025-10-24 13:32 | 2025-10-29 11:54 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Upon further review, the loan file contained all required asset documentation. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-10/28/2025 <br> Open-Audited Reserves of 0.07 month(s) are less than Guideline Required Reserves of 3 month(s) Verified assets in file are not sufficient to cover reserves. It should be noted that the loan application reflects the borrower's financial institution has a balance of XXXX. However, the account balance as of XXXX is only XXXX. - Due Diligence Vendor-10/24/2025 |  | Resolved-Upon further review, the loan file contained all required asset documentation. - Due Diligence Vendor-10/29/2025<br>| LTV is less than guideline maximum - Maximum LTV is 70%, subject loan is 49.081%<br>Qualifying DTI below maximum allowed - Maximum DTI is 50%, qualifying DTI is 40.38% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6008835 |
| XXXX | XXXX | 9694018 C B A | Closed | FCRE1510 | 2025-10-23 09:33 | 2025-10-29 11:50 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. DOT - Buyer-10/27/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. missing legal - Due Diligence Vendor-10/23/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/29/2025<br>| LTV is less than guideline maximum - Maximum LTV is 70%, subject loan is 49.081%<br>Qualifying DTI below maximum allowed - Maximum DTI is 50%, qualifying DTI is 40.38% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5986617 |
| XXXX | XXXX | 9694018 C B A | Closed | FCRE0969 | 2025-10-24 19:34 | 2025-10-27 10:50 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non-material finding. XXXX prepay vested in an LLC. - Due Diligence Vendor-10/27/2025 <br> Open-Per XXXX a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under XXXX Law a prepayment penalty is not permitted to be charged to an LLC. Client waiver applied to non-material finding. - Due Diligence Vendor-10/25/2025 |  | Waived-Client waiver applied to non-material finding. XXXX prepay vested in an LLC. - Due Diligence Vendor-10/27/2025 | LTV is less than guideline maximum - Maximum LTV is 70%, subject loan is 49.081%<br>Qualifying DTI below maximum allowed - Maximum DTI is 50%, qualifying DTI is 40.38% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 6014657 |
| XXXX | XXXX | 9857484 D A | Closed | FCRE3978 | 2025-10-30 10:19 | 2025-10-31 15:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received borrower LOE. - Due Diligence Vendor-10/31/2025 <br>Ready for Review-Document Uploaded. LOE from borrower regarding the listing of property - Seller-10/30/2025 <br>Open- The borrower must confirm in writing the reason for the prior listing and their intentions for the property. Subject was listed one month prior to application. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. LOE from borrower regarding the listing of property - Seller-10/30/2025<br>| Resolved-Received borrower LOE. - Due Diligence Vendor-10/31/2025<br>| Months Reserves exceed minimum required - Qualifying reserves 41 months, guidelines require 9 months. <br>Qualifying FICO score is at least 20 points above minimum for program - 736 > 700 required. <br>Qualifying DTI below maximum allowed - Qualifying dti is 26.5, guidelines max is 50 |  | 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 | 6066812 |
| XXXX | XXXX | 9613741 D A | Closed | FCRE1325 | 2025-10-28 13:51 | 2025-10-30 11:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA validation. - Due Diligence Vendor-10/30/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-10/29/2025 <br>Open-Borrower 1 CPA Letter Missing CPA License not provided - Due Diligence Vendor-10/28/2025 |  | Resolved-Received CPA validation. - Due Diligence Vendor-10/30/2025<br>| LTV is less than guideline maximum - LTV 53.85%; max 80%.<br>Months Reserves exceed minimum required - 161.47 months PITIA reserves; 3 months reserves required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 6040695 |
| XXXX | XXXX | 9860127 C B A | Closed | FCRE1200 | 2025-10-29 13:24 | 2025-11-03 08:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator waiver applied to non-material finding with compensating factors- to allow for loan amount of XXXX which is less than the guideline min of XXXX. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. loan amount exception - Seller-10/30/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX Minimum loan amount is XXXX per overlay<br> - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. loan amount exception - Seller-10/30/2025<br>| Waived-Originator waiver applied to non-material finding with compensating factors- to allow for loan amount of XXXX which is less than the guideline min of XXXX. - Due Diligence Vendor-11/03/2025 | Months Reserves exceed minimum required - 7 months reserves documented, 3 months required<br>On time mortgage history exceeds guideline requirement - 0x30 to 2020 | Reserves: 7 months verified >3 months required.<br> Housing history: 0x30 > 4 years | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6055546 |
| XXXX | XXXX | 9860127 C B A | Closed | FCRE3333 | 2025-10-29 13:16 | 2025-10-30 11:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Subject property was listed for sale within a time period not allowed by guidelines | Waived-Originator exception granted to allow listed property with no prepay, Non-material waiver applied with comp factors. non-material due to LOE intent to keep property - Due Diligence Vendor-10/30/2025 <br>Open-Subject property was listed for sale within a time period not allowed per guidelines Properties listed for sale by current owner within 3 months prior to application. Investment properties require a minimum a minimum two (2) year prepay penalty. There is no PPP. Lender exception in file. - Due Diligence Vendor-10/29/2025 |  | Waived-Originator exception granted to allow listed property with no prepay, Non-material waiver applied with comp factors. non-material due to LOE intent to keep property - Due Diligence Vendor-10/30/2025<br>| Months Reserves exceed minimum required - 7 months reserves documented, 3 months required<br>On time mortgage history exceeds guideline requirement - 0x30 to 2020 | Seasoned investor<br> DSCR > 1.1 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6055376 |
| XXXX | XXXX | 9694024 C A | Closed | FCRE1198 | 2025-10-28 16:13 | 2025-10-30 11:41 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received HUD-1 for refi of another property reflecting sufficient assets. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. HUD uploaded for XXXX to document Cash Back from concurrent closing to satisfy reserve requirement - Buyer-10/29/2025 <br> Open-Audited Reserves of 0.62 month(s) are less than Guideline Required Reserves of 3 month(s) Missing satisfactory documentation evidencing sufficient funds to meet minimum reserve requirements of no less than 3 months property expenses for DSCR qualified loan. No assets were provided, other findings may apply. - Due Diligence Vendor-10/29/2025 |  | Resolved-Received HUD-1 for refi of another property reflecting sufficient assets. - Due Diligence Vendor-10/30/2025<br>| LTV is less than guideline maximum - LTV: 74.58% Max 80%<br>DSCR % greater than 1.20 - DSCR: 1.491 Min 1 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6043417 |
| XXXX | XXXX | 9768907 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9807868 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9855589 C A | Closed | FCRE1440 | 2025-10-30 15:12 | 2025-11-04 08:20 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Borrower meets the guidelines for less than 12-month history. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-10/31/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Per VOR landlord is an individual who owns a XXXX. 12 months proof of payment to landlord is required. - Due Diligence Vendor-10/30/2025 |  | Resolved-Borrower meets the guidelines for less than 12-month history. - Due Diligence Vendor-10/31/2025<br>| LTV is less than guideline maximum - 74.53% < 80% allowed<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum Fico score required is 680 / Borrower's fico score is 709. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6073753 |
| XXXX | XXXX | 9855589 C A | Closed | FCRE1437 | 2025-10-29 15:35 | 2025-10-31 12:56 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-XXXX form reflects an 18% expense factor. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-10/31/2025 <br> Open-Income and Employment Do Not Meet Guidelines The loan file contains a tax preparer letter (page 152). The bank statement analysis (page 156) shows the lender used only a 18% expense factor rather than a 50% expense factor. The tax preparer letter does not mention the 18% and is missing from the letter. A letter from the tax preparer stating the use of the 18% expense factor for the borrower's business is required. Using a 50% expense factor will result in excessive DTI. Additional conditions may apply. - Due Diligence Vendor-10/29/2025 |  | Resolved-XXXX form reflects an 18% expense factor. - Due Diligence Vendor-10/31/2025 | LTV is less than guideline maximum - 74.53% < 80% allowed<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum Fico score required is 680 / Borrower's fico score is 709. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6058036 |
| XXXX | XXXX | 9860136 D A C | Closed | finding-3635 | 2025-10-29 10:44 | 2025-11-05 10:26 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved----Received COC for increase in recording fee. Finding Resolved. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. correct COC's enclosed .... fee was updated when it was determined that the property is a condo and additional riders would be needed (and recorded) - Seller-11/03/2025 <br> Counter-----COC's received are for the interest rate lock and the Final Inspection. We need a COC for the Recording Fees that increased from the Initial LE at XXXX and the Final CD at XXXX. --Ten (10%) tolerance fees 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. Finding Remains. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/31/2025 <br> Counter------Initial LE has recording fees at XXXX, the final CD has recording fees at XXXX. Which is more than the 10% allowed. There is no COC in file for the increase in recording fees. --Ten (10%) tolerance fees 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. Finding Remains. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. pls review final CD & initial, recording fee increased XXXX, which is within the 10% allowable increase. - Seller-10/30/2025 <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 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 is 1 year. Expiration date 1XXXX.<br> - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. correct COC's enclosed .... fee was updated when it was determined that the property is a condo and additional riders would be needed (and recorded) - Seller-11/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/31/2025 <br> Ready for Review-Document Uploaded. pls review final CD & initial, recording fee increased XXXX, which is within the 10% allowable increase. - Seller-10/30/2025 | Resolved----Received COC for increase in recording fee. Finding Resolved. - Due Diligence Vendor-11/05/2025<br>| Qualifying DTI below maximum allowed - Qualifying dti is 32.6 guidelines require 50 max DTI<br>LTV is less than guideline maximum - Qualifying LTV is 62%, guidelines max is 80% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6051392 |
| XXXX | XXXX | 9860136 D A C | Closed | FCRE7806 | 2025-10-29 16:25 | 2025-10-31 15:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received income calc worksheet. - Due Diligence Vendor-10/31/2025 <br>Ready for Review-Document Uploaded. uw income calc - Seller-10/30/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing Income Calc - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. uw income calc - Seller-10/30/2025<br>| Resolved-Received income calc worksheet. - Due Diligence Vendor-10/31/2025<br>| Qualifying DTI below maximum allowed - Qualifying dti is 32.6 guidelines require 50 max DTI<br>LTV is less than guideline maximum - Qualifying LTV is 62%, guidelines max is 80% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6058894 |
| XXXX | XXXX | 9860136 D A C | Closed | FPRO1136 | 2025-10-29 15:33 | 2025-10-31 15:43 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received final inspection, 1004d - Due Diligence Vendor-10/31/2025 <br>Ready for Review-Document Uploaded. - Seller-10/30/2025 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. - Seller-10/30/2025<br>| Resolved-Received final inspection, 1004d - Due Diligence Vendor-10/31/2025<br>| Qualifying DTI below maximum allowed - Qualifying dti is 32.6 guidelines require 50 max DTI<br>LTV is less than guideline maximum - Qualifying LTV is 62%, guidelines max is 80% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6057983 |
| XXXX | XXXX | 9846208 D A | Closed | FCRE5782 | 2025-10-30 00:31 | 2025-11-04 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-11/03/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Borrower 1 & 2 Gap Credit Report is Missing - Due Diligence Vendor-10/30/2025 |  | Resolved-Received credit refresh. - Due Diligence Vendor-11/04/2025<br>| Qualifying DTI below maximum allowed - Maximum FTHB DTIis 45%, qualifying DTI is 40.89%<br>Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrowers have 4.33 months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6061838 |
| XXXX | XXXX | 9846208 D A | Closed | FCRE0044 | 2025-10-30 00:49 | 2025-11-04 12:18 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. Supporting document - Buyer-11/03/2025 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-10/30/2025 |  | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-11/04/2025<br>| Qualifying DTI below maximum allowed - Maximum FTHB DTIis 45%, qualifying DTI is 40.89%<br>Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrowers have 4.33 months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6061916 |
| XXXX | XXXX | 9694047 C A | Closed | FCRE1440 | 2025-10-30 10:50 | 2025-11-07 13:09 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received 1st payment letter and CD for new primary. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-11/06/2025 <br> Open-Housing History Does Not Meet Guideline Requirements A mortgage statement is missing evidencing the total payment for the borrowers' new primary residence with a monthly payment of XXXX (page 59). - Due Diligence Vendor-10/30/2025 |  | Resolved-Received 1st payment letter and CD for new primary. - Due Diligence Vendor-11/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum credit score is 680 / Borrower's qualifying fico score is 782.<br>Qualifying DTI below maximum allowed - Maximum DTI ratio is 50% / Audit DTI ratio is 36.95%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6067667 |
| XXXX | XXXX | 9860142 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9694056 D A C | Closed | FCOM9998 | 2025-11-03 10:00 | 2025-11-21 16:06 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved------Received copy of CD with section 5 completed. Finding Resolved. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. I have attached a disclosure that was provided as a "final CD" but the Title company called the day of closing (Purchase contract called for Seller to pay all taxes for current year) and we issued the revised CD which is the one executed at closing - Buyer-11/06/2025 <br> Counter------Need Calculations from page 5 for revised CD XXXX with Closing costs of XXXX. CD sent was for the closing. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-11/05/2025 <br> Open------CD XXXX is missing the Loan Calculations section on pg. 5. - Due Diligence Vendor-11/03/2025 |  | Resolved------Received copy of CD with section 5 completed. Finding Resolved. - Due Diligence Vendor-11/21/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 38.68%; max permitted 50%.<br>Months Reserves exceed minimum required - 36.32 months PITIA reserves; 9 months reserves required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6097576 |
| XXXX | XXXX | 9694056 D A C | Closed | FCRE1325 | 2025-11-03 13:21 | 2025-11-06 14:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received SOS confirming business start date. - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. Business look up verifying active date uploaded - Buyer-11/05/2025 <br>Open-Borrower 1 CPA Letter Missing Missing confirmation of length of borrower's self-employment - Due Diligence Vendor-11/04/2025 |  | Resolved-Received SOS confirming business start date. - Due Diligence Vendor-11/06/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 38.68%; max permitted 50%.<br>Months Reserves exceed minimum required - 36.32 months PITIA reserves; 9 months reserves required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6102668 |
| XXXX | XXXX | 9694056 D A C | Closed | finding-3532 | 2025-11-03 10:04 | 2025-11-06 09:57 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-----Received borrower receipt of CD. Finding Resolved. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-11/05/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXXX First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD XXXX is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of XXXX. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-11/03/2025 |  | Resolved-----Received borrower receipt of CD. Finding Resolved. - Due Diligence Vendor-11/06/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 38.68%; max permitted 50%.<br>Months Reserves exceed minimum required - 36.32 months PITIA reserves; 9 months reserves required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6097683 |
| XXXX | XXXX | 9694058 C B A | Closed | FCRE2244 | 2025-11-04 14:11 | 2025-11-04 14:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client blanket waiver applied to non material finding. We have reviewed and approved their appraisal management team and appraisal policy. We will permit their appraisal panel and process without requiring an exception approval for each instance. - Due Diligence Vendor-11/04/2025 <br> Open-Property Issues are identified for the property Appraisal completed as No XXXX. All appraisals must be ordered through an Appraisal Management Company (XXXX). Appraisals that are not ordered through an XXXX but are XXXX compliant can be accepted with prior investor approval.<br> - Due Diligence Vendor-11/04/2025 |  | Waived-Client blanket waiver applied to non material finding. We have reviewed and approved their appraisal management team and appraisal policy. We will permit their appraisal panel and process without requiring an exception approval for each instance. - Due Diligence Vendor-11/04/2025<br>| On time mortgage history exceeds guideline requirement - 1x30x12, actual 0x30x28<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min .80, actual 1 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 6121406 |
| XXXX | XXXX | 9860139 B A | Closed | FCRE8201 | 2025-11-12 09:17 | 2025-11-12 14:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived--Originator exception granted and in file, waiver applied with comp factors. Non-material: Borrower owned 9% now owns 100% - Due Diligence Vendor-11/12/2025 <br>Open-Exception for cash out seasoning where borrower has 9% ownership in LLC. Transferring subject to LLC at closing of which borrower is 100% owner/ - Due Diligence Vendor-11/12/2025 |  | Waived--Originator exception granted and in file, waiver applied with comp factors. Non-material: Borrower owned 9% now owns 100% - Due Diligence Vendor-11/12/2025<br>| CLTV is less than guidelines maximum - Qualifying LTV is 44%, guides require 75% on Cashout <br>Credit history exceeds minimum required - Borrower credit history since 2017, guides require 2 years | Low LTV |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6221507 |
| XXXX | XXXX | 9860128 C B A | Closed | FCRE1197 | 2025-11-07 14:50 | 2025-11-10 10:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator exception granted to allow FICO < 700. Non-material waiver applied with comp factors. Deemed non-material due to only 13 points below minimum required. - Due Diligence Vendor-11/10/2025 <br>Open-Audited FICO of 687 is less than Guideline FICO of 700 Loan Exception in file for fico under 700 - Due Diligence Vendor-11/07/2025 |  | Waived-Originator exception granted to allow FICO < 700. Non-material waiver applied with comp factors. Deemed non-material due to only 13 points below minimum required. - Due Diligence Vendor-11/10/2025<br>| Months Reserves exceed minimum required - 42 months > 3 required.<br>DSCR % greater than 1.20 - Qualifying DSCR 1.31 guides | DSCR > 1.25% (Originator)<br> 43 months reserves > 3 required (Audit) |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6177206 |
| XXXX | XXXX | 9860131 B A | Closed | FCRE8201 | 2025-11-10 12:47 | 2025-11-10 13:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-11/10/2025 <br>Open-Exception to waive atty opinion letter: Non-Material - Due Diligence Vendor-11/10/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-11/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score is 769, guides require 660<br>Verified employment history exceeds guidelines - Qualifying employment borrower has owned his company over 7 years, guides require 2 years | -FICO 20 Points or more above required<br> - DTI 10% Below required |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6196507 |
| XXXX | XXXX | 9860134 B A | Closed | FCRE8201 | 2025-11-10 15:33 | 2025-11-11 15:40 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow for: Other - waive attorney opinion letter attorney charging him a lot. <br> Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-11/11/2025 <br>Open-Waive attorney opinion letter attorney charging him alot - Due Diligence Vendor-11/10/2025 |  | Waived-Originator exception granted to allow for: Other - waive attorney opinion letter attorney charging him a lot. <br> Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-11/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit scores is 769, guidelines require 660<br>Long term residence - 6 years at current residence | FICO 20 points or more above requirement<br> Total Debt 10% or more under requirement |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6199660 |
| XXXX | XXXX | 9860130 C B A | Closed | FCRE8201 | 2025-11-12 11:34 | 2026-01-27 18:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow waiver of attorney opinion letter, Non-material waiver applied with comp factors. non-material due to Excellent credit. - Due Diligence Vendor-01/27/2026 <br>Open-Exception to waive attorney opinion letter - Due Diligence Vendor-11/12/2025 |  | Waived-Originator exception granted to allow waiver of attorney opinion letter, Non-material waiver applied with comp factors. non-material due to Excellent credit. - Due Diligence Vendor-01/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 769 Required is 660 Borrower has 769<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.51 Required is 50 Borrower has 34.51 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6224791 |
| XXXX | XXXX | 9860132 D B A | Closed | FCRE0044 | 2025-11-12 16:14 | 2025-11-14 15:46 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the loan file contained all required credit documentation - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. initial credit report had no inquiries... GAP report enclosed had 4 inquiries that were all done by us (XXXX) in regards to this mortgage - Seller-11/12/2025 <br> Open-LOX for credit inquiries is missing. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. initial credit report had no inquiries... GAP report enclosed had 4 inquiries that were all done by us XXXX) in regards to this mortgage - Seller-11/12/2025 | Resolved-Upon further review, the loan file contained all required credit documentation - Due Diligence Vendor-11/14/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.51<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 769 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6229788 |
| XXXX | XXXX | 9860132 D B A | Closed | FCRE1321 | 2025-11-12 16:33 | 2025-11-12 16:50 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing attorney opinion letter/trust review documentation | Waived-Originator exception granted to allow no attorney opinion letter . Non-material waiver applied with comp factors. Deemed non-material due to file contains all other LLC docs. - Due Diligence Vendor-11/12/2025 <br>Open-Missing attorney approval letter - Due Diligence Vendor-11/12/2025 |  | Waived-Originator exception granted to allow no attorney opinion letter . Non-material waiver applied with comp factors. Deemed non-material due to file contains all other LLC docs. - Due Diligence Vendor-11/12/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.51<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 769 | FICO 20 points over min<br> DTI 10% under max |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6230045 |
| XXXX | XXXX | 9895779 D B A | Closed | FCRE5782 | 2025-11-10 13:02 | 2025-11-17 11:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-11/13/2025 <br>Counter-Post closing credit refresh would be considered. - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-11/11/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit is not present in file and not on Fraud Report. - Due Diligence Vendor-11/10/2025 |  | Resolved-Received Gap report. - Due Diligence Vendor-11/17/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 77.58 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 720; qualifying FICO is 779. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6196758 |
| XXXX | XXXX | 9895779 D B A | Closed | FCOM5135 | 2025-11-07 17:15 | 2025-11-07 17:15 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non material Findings. - Due Diligence Vendor-11/07/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non material Findings. - Due Diligence Vendor-11/07/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 77.58 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 720; qualifying FICO is 779. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | 6179767 |
| XXXX | XXXX | 9846207 C A | Closed | FCRE2244 | 2025-11-13 16:23 | 2025-11-14 11:37 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-After further review, the appraiser confirms there is a stove and refrigerators are in units. - Due Diligence Vendor-11/14/2025 <br>Open-Property Issues are identified for the property Appraiser indicates stoves and refrigerators in units; however, pictures do not reflect these items. - Due Diligence Vendor-11/13/2025 |  | Resolved-After further review, the appraiser confirms there is a stove and refrigerators are in units. - Due Diligence Vendor-11/14/2025<br>| Months Reserves exceed minimum required - 20.84 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 75% is less than guideline maximum 80% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6245263 |
| XXXX | XXXX | 9917873 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9895755 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9896420 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9896346 D A | Closed | FCRE1510 | 2025-11-21 16:35 | 2025-11-24 12:21 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Mortgage with legal provided. - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. - Seller-11/24/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Provide an updated Exhibit A reflecting the subject property's legal description. - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. - Seller-11/24/2025<br>| Resolved-Mortgage with legal provided. - Due Diligence Vendor-11/24/2025<br>| Months Reserves exceed minimum required - 4.79 months reserves; 0 reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6348037 |
| XXXX | XXXX | 9896346 D A | Closed | FCRE0053 | 2025-11-21 17:05 | 2025-11-24 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Rider to the mortgage is not required. - Due Diligence Vendor-11/24/2025 <br>Open-Rider Missing from DOT screen based on Property Type selected on Property Page. - Due Diligence Vendor-11/21/2025 |  | Resolved-Rider to the mortgage is not required. - Due Diligence Vendor-11/24/2025<br>| Months Reserves exceed minimum required - 4.79 months reserves; 0 reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6348490 |
| XXXX | XXXX | 9896443 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9896336 C A | Closed | FCRE1206 | 2025-11-24 17:14 | 2026-01-28 14:44 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud report. - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Document Uploaded. This was included in the complete loan package, page 102-109 - Seller-11/25/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Exclusionary list reflects borrower and lender only, all other parties to transaction not included. - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. This was included in the complete loan package, page 102-109 - Seller-11/25/2025<br>| Resolved-Received Fraud report. - Due Diligence Vendor-01/28/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 683<br>Months Reserves exceed minimum required - Verified reserves equal 72.17months, 0 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6373370 |
| XXXX | XXXX | 9896425 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9896340 C A | Closed | FCRE1159 | 2025-11-25 15:34 | 2025-12-03 13:39 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received email confirming no claims as of XXXX. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Submitted confirmation from insurance agent stating no claims reported.. Please review and advise. - Seller-12/02/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Hazard Insurance Effective Date of XXXX is after the Note and Disbursement Date of XXXX - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. Submitted confirmation from insurance agent stating no claims reported.. Please review and advise. - Seller-12/02/2025<br>| Resolved-Received email confirming no claims as of XXXX. - Due Diligence Vendor-12/03/2025 | Months Reserves exceed minimum required - 0 months reserves required - borrower has 20.03 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 740 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6389183 |
| XXXX | XXXX | 9896438 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9896360 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9896362 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9895747 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA |  |  |  |
| XXXX | XXXX | 9855572 D A | Closed | FPRO1255 | 2025-12-01 10:28 | 2025-12-04 14:57 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA Questionnaire - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-12/02/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Subject Property is part of an HOA but the HOA Questionnaire Document is Missing - Due Diligence Vendor-12/01/2025 |  | Resolved-Received HOA Questionnaire - Due Diligence Vendor-12/03/2025<br>| Months Reserves exceed minimum required - Reserves = 21 months – Required Reserves = 3 Months<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 56 Months Required = 12 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6428248 |
| XXXX | XXXX | 9855572 D A | Closed | FCRE2244 | 2025-12-01 13:58 | 2025-12-04 14:57 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received revised appraisal reflecting phase info. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-12/03/2025 <br>Open-Property Issues are identified for the property Appraisal missing condo subject phase and project completed information - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-12/03/2025<br>| Resolved-Received revised appraisal reflecting phase info. - Due Diligence Vendor-12/04/2025<br>| Months Reserves exceed minimum required - Reserves = 21 months – Required Reserves = 3 Months<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 56 Months Required = 12 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6432838 |
| XXXX | XXXX | 9855572 D A | Closed | FCRE0116 | 2025-12-01 11:00 | 2025-12-03 11:34 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Received UW Attestation - Warrantable Condo - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-12/02/2025 <br>Open-Missing Warrantability Documentation. Missing Warrantability Documentation - Due Diligence Vendor-12/01/2025 |  | Resolved-Received UW Attestation - Warrantable Condo - Due Diligence Vendor-12/03/2025<br>| Months Reserves exceed minimum required - Reserves = 21 months – Required Reserves = 3 Months<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 56 Months Required = 12 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6428779 |
| XXXX | XXXX | 9855572 D A | Closed | FCRE1206 | 2025-12-01 10:44 | 2025-12-03 11:23 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. LO was included on original cert provided. - Seller-12/02/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists, pending XXXX report for loan officer, additional findings may apply. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. LO was included on original cert provided. - Seller-12/02/2025<br>| Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/03/2025<br>| Months Reserves exceed minimum required - Reserves = 21 months – Required Reserves = 3 Months<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 56 Months Required = 12 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6428526 |
| XXXX | XXXX | 9855572 D A | Closed | FCRE1151 | 2025-12-01 13:51 | 2025-12-03 11:22 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received 24-month chain of title - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-12/02/2025 <br>Open-Unsatisfactory Chain of Title provided. Missing 24 month chain of title - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-12/02/2025<br>| Resolved-Received 24-month chain of title - Due Diligence Vendor-12/03/2025<br>| Months Reserves exceed minimum required - Reserves = 21 months – Required Reserves = 3 Months<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 56 Months Required = 12 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6432706 |
| XXXX | XXXX | 9855572 D A | Closed | FCRE0183 | 2025-12-01 11:00 | 2025-12-02 15:41 | Resolved | 1 - Information C A | Credit | Eligibility | Required Spousal Consent to Pledge form is missing | Resolved-After further review, this is not required per guides. - Due Diligence Vendor-12/02/2025 <br>Open-The required spousal consent to pledge form is missing. The required spousal consent to pledge form is missing. - Due Diligence Vendor-12/01/2025 |  | Resolved-After further review, this is not required per guides. - Due Diligence Vendor-12/02/2025<br>| Months Reserves exceed minimum required - Reserves = 21 months – Required Reserves = 3 Months<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 56 Months Required = 12 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6428781 |
| XXXX | XXXX | 9917877 D A | Closed | FCRE7497 | 2025-12-02 09:18 | 2025-12-03 10:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Final CD and updated 1003 for REO 3e - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-12/02/2025 <br> Open-REO 3e, final 1003 reflects a PITI of XXXX, however LE provided reflects a PITI of XXXX. Lender to confirm which figure is correct and provide an updated LE if applicable, audit used lower amount at initial review. - Due Diligence Vendor-12/02/2025 |  | Resolved-Received Final CD and updated 1003 for REO 3e - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 790<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.62 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6443837 |
| XXXX | XXXX | 9896365 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9896359 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 9896353 C A | Closed | FCRE0184 | 2025-12-05 19:26 | 2025-12-10 10:58 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Rule Received Cash out Letter. - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. uploaded business purpose LOE - Seller-12/08/2025 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Missing cash-out attestation - Due Diligence Vendor-12/06/2025 | Ready for Review-Document Uploaded. uploaded business purpose LOE - Seller-12/08/2025<br>| Resolved-Rule Received Cash out Letter. - Due Diligence Vendor-12/10/2025<br>| On time mortgage history exceeds guideline requirement - Mortgage history must be 0X30 for the most recent 12 months. The borrower's on-time mortgage history = 0X30 for 94 months<br>Months Reserves exceed minimum required - 3 months reserves required. Borrower has 36.93 months reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6514618 |
| XXXX | XXXX | 9896381 D A | Closed | FCRE7806 | 2025-12-09 13:28 | 2025-12-15 11:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received bank statement worksheet. - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. Uploaded Updated 1003 mirroring income worksheet. - Seller-12/11/2025 <br>Counter-Received bank statement analysis-income does not mirror final income from final 1003 or loan approval-please clarify and provide complete income calc worksheet. - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. Uploaded income worksheet - Seller-12/10/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing Bank Statement Worksheet - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. Uploaded Updated 1003 mirroring income worksheet. - Seller-12/11/2025 <br>Ready for Review-Document Uploaded. Uploaded income worksheet - Seller-12/10/2025<br>| Resolved-Received bank statement worksheet. - Due Diligence Vendor-12/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 668<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.38 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6552938 |
| XXXX | XXXX | 9896381 D A | Closed | FCRE5786 | 2025-12-08 18:50 | 2025-12-11 11:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Incomplete | Resolved-Received UDM. - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. UDN in file reflects monitoring details, reuploaded. - Seller-12/10/2025 <br>Open-Borrower 1 Gap Credit Report is Partially Present. The UDM in the loan file doesn't appear to have any monitoring - only inquiries - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. UDN in file reflects monitoring details, reuploaded. - Seller-12/10/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-12/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 668<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.38 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6539514 |
| XXXX | XXXX | 10026815 D A | Closed | FCRE1201 | 2025-12-10 08:26 | 2025-12-19 12:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report - Due Diligence Vendor-12/19/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-12/18/2025 <br>Counter-Please provide documentation for the Loan officer and warehouse - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-12/15/2025 <br>Counter-Missing complete Fraud Report and documentation to clear high alerts. - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-12/11/2025 <br>Open-Missing Third Party Fraud Report Missing Fraud document and lender must run OFAC for all parties listed on note. - Due Diligence Vendor-12/10/2025 |  | Resolved-Received fraud report - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720. Borrower has 806. Required is 720 Borrower has 806<br>LTV is less than guideline maximum - Required is 75. Borrower has 66.29. Required is 75 Borrower has 66.29 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6563532 |
| XXXX | XXXX | 10026816 C A | Closed | FCRE1206 | 2025-12-10 09:55 | 2025-12-12 11:31 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud report. - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-12/11/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists All parties that signed/dated Note need to be added to the loan participant list. - Due Diligence Vendor-12/10/2025 |  | Resolved-Received Fraud report. - Due Diligence Vendor-12/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720. Borrower has 806. Required is 720 Borrower has 806<br>LTV is less than guideline maximum - Required is 75. Borrower has 69.48. Required is 75 Borrower has 69.48 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6565064 |
| XXXX | XXXX | 10026817 C A | Closed | FCRE1206 | 2025-12-10 11:00 | 2025-12-12 11:23 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud report. - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-12/11/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists All parties that signed/dated Note need to be added to the loan participant list. - Due Diligence Vendor-12/10/2025 |  | Resolved-Received Fraud report. - Due Diligence Vendor-12/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720. Borrower has 806. Required is 720 Borrower has 806<br>LTV is less than guideline maximum - Required is 75. Borrower has 68.05. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6566688 |
| XXXX | XXXX | 9896390 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9846217 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9896337 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9917869 B A | Closed | FCRE0969 | 2025-12-15 10:45 | 2025-12-16 12:46 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Per XXXX a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under XXXX Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-12/16/2025 |  | Waived-Per XXXX a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under XXXX Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-12/16/2025 | Months Reserves exceed minimum required - 3 months reserves required and the borrower has over 26 months verified.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 767 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 6623578 |
| XXXX | XXXX | 9917856 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9896328 C A | Closed | FCRE0044 | 2025-12-17 14:12 | 2025-12-18 16:19 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-After further review, there are no inquiries on the credit report. - Due Diligence Vendor-12/18/2025 <br>Open-LOX for credit inquiries is missing. LOE inquiries not provided - Due Diligence Vendor-12/17/2025 |  | Resolved-After further review, there are no inquiries on the credit report. - Due Diligence Vendor-12/18/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.23<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 701 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6667345 |
| XXXX | XXXX | 10066025 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |

---

## Exhibit 99.3

**Exhibit 99.3**

 **Schedule 2 - Rating Agency Grades Summary Report**

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

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Original Loan Amount** |
| XXXX | XXXX | 9101474 | XXXX A |
| XXXX | XXXX | 9119062 | XXXX D A B |
| XXXX | XXXX | 9119064 | XXXX D A B |
| XXXX | XXXX | 9146946 | XXXX C A B |
| XXXX | XXXX | 9156990 | XXXX D A |
| XXXX | XXXX | 9156991 | XXXX D A |
| XXXX | XXXX | 9190383 | XXXX D B A |
| XXXX | XXXX | 9196979 | XXXX D A |
| XXXX | XXXX | 9212925 | XXXX C A |
| XXXX | XXXX | 9212952 | XXXX D A |
| XXXX | XXXX | 9216983 | XXXX C A |
| XXXX | XXXX | 9201258 | XXXX D A B |
| XXXX | XXXX | 9212938 | XXXX C B A |
| XXXX | XXXX | 9196981 | XXXX A |
| XXXX | XXXX | 9201282 | XXXX D A B |
| XXXX | XXXX | 9216992 | XXXX A |
| XXXX | XXXX | 9217000 | XXXX D A |
| XXXX | XXXX | 9226537 | XXXX C A |
| XXXX | XXXX | 9251214 | XXXX A |
| XXXX | XXXX | 9243486 | XXXX D A |
| XXXX | XXXX | 9243438 | XXXX A |
| XXXX | XXXX | 9217010 | XXXX D A B |
| XXXX | XXXX | 9248244 | XXXX D A |
| XXXX | XXXX | 9248247 | XXXX D A C |
| XXXX | XXXX | 9216987 | XXXX D A |
| XXXX | XXXX | 9243442 | XXXX D A B |
| XXXX | XXXX | 9243473 | XXXX D A B |
| XXXX | XXXX | 9243454 | XXXX C A B |
| XXXX | XXXX | 9502877 | XXXX C A |
| XXXX | XXXX | 9502866 | XXXX A |
| XXXX | XXXX | 9502875 | XXXX D A |
| XXXX | XXXX | 9502921 | XXXX D A |
| XXXX | XXXX | 9236135 | XXXX D A |
| XXXX | XXXX | 9303112 | XXXX D A |
| XXXX | XXXX | 9243500 | XXXX A |
| XXXX | XXXX | 9248259 | XXXX D A |
| XXXX | XXXX | 9502874 | XXXX C A B |
| XXXX | XXXX | 9365880 | XXXX A |
| XXXX | XXXX | 9303116 | XXXX D C A |
| XXXX | XXXX | 9502781 | XXXX D A |
| XXXX | XXXX | 9243494 | XXXX D A |
| XXXX | XXXX | 9502945 | XXXX A |
| XXXX | XXXX | 9388850 | XXXX C A |
| XXXX | XXXX | 9502918 | XXXX A |
| XXXX | XXXX | 9356680 | XXXX A |
| XXXX | XXXX | 9365883 | XXXX B A |
| XXXX | XXXX | 9388855 | XXXX C A B |
| XXXX | XXXX | 9502793 | XXXX C A |
| XXXX | XXXX | 9857715 | XXXX A |
| XXXX | XXXX | 9502873 | XXXX A |
| XXXX | XXXX | 9502868 | XXXX A |
| XXXX | XXXX | 9365891 | XXXX C A |
| XXXX | XXXX | 9502920 | XXXX A |
| XXXX | XXXX | 9502948 | XXXX C A |
| XXXX | XXXX | 9502876 | XXXX A |
| XXXX | XXXX | 9365858 | XXXX B A |
| XXXX | XXXX | 9356670 | XXXX C A |
| XXXX | XXXX | 9502143 | XXXX C A |
| XXXX | XXXX | 9356683 | XXXX A |
| XXXX | XXXX | 9857716 | XXXX A |
| XXXX | XXXX | 9356673 | XXXX A |
| XXXX | XXXX | 9613743 | XXXX C A |
| XXXX | XXXX | 9388839 | XXXX C A |
| XXXX | XXXX | 9365904 | XXXX D A |
| XXXX | XXXX | 9502139 | XXXX D A |
| XXXX | XXXX | 9555103 | XXXX D A |
| XXXX | XXXX | 9857648 | XXXX C A |
| XXXX | XXXX | 9857649 | XXXX A |
| XXXX | XXXX | 9555120 | XXXX D A |
| XXXX | XXXX | 9694016 | XXXX A |
| XXXX | XXXX | 9502121 | XXXX D A |
| XXXX | XXXX | 9555127 | XXXX C A |
| XXXX | XXXX | 9613781 | XXXX D A |
| XXXX | XXXX | 9613785 | XXXX D A |
| XXXX | XXXX | 9555115 | XXXX C A |
| XXXX | XXXX | 9555126 | XXXX C A |
| XXXX | XXXX | 9857411 | XXXX A |
| XXXX | XXXX | 9613753 | XXXX C A B |
| XXXX | XXXX | 9303134 | XXXX A |
| XXXX | XXXX | 9502097 | XXXX D A |
| XXXX | XXXX | 9356676 | XXXX A |
| XXXX | XXXX | 9613750 | XXXX D A C |
| XXXX | XXXX | 9694019 | XXXX D A |
| XXXX | XXXX | 9857559 | XXXX A |
| XXXX | XXXX | 9917881 | XXXX D A |
| XXXX | XXXX | 9768905 | XXXX C A |
| XXXX | XXXX | 9857673 | XXXX A |
| XXXX | XXXX | 9768913 | XXXX A |
| XXXX | XXXX | 9388858 | XXXX C A |
| XXXX | XXXX | 9857519 | XXXX D A B |
| XXXX | XXXX | 9694026 | XXXX C A B |
| XXXX | XXXX | 9694027 | XXXX A C |
| XXXX | XXXX | 9857674 | XXXX A |
| XXXX | XXXX | 9857742 | XXXX D A B |
| XXXX | XXXX | 9857739 | XXXX D A B |
| XXXX | XXXX | 9857740 | XXXX D A B |
| XXXX | XXXX | 9857741 | XXXX D A B |
| XXXX | XXXX | 9694030 | XXXX A |
| XXXX | XXXX | 9694018 | XXXX C A B |
| XXXX | XXXX | 9857484 | XXXX D A |
| XXXX | XXXX | 9613741 | XXXX D A |
| XXXX | XXXX | 9860127 | XXXX C A B |
| XXXX | XXXX | 9694024 | XXXX C A |
| XXXX | XXXX | 9768907 | XXXX A |
| XXXX | XXXX | 9807868 | XXXX A |
| XXXX | XXXX | 9855589 | XXXX C A |
| XXXX | XXXX | 9860136 | XXXX D C A |
| XXXX | XXXX | 9846208 | XXXX D A |
| XXXX | XXXX | 9694047 | XXXX C A |
| XXXX | XXXX | 9860142 | XXXX A |
| XXXX | XXXX | 9694056 | XXXX D C A |
| XXXX | XXXX | 9694058 | XXXX C A B |
| XXXX | XXXX | 9860139 | XXXX B A |
| XXXX | XXXX | 9860128 | XXXX C A B |
| XXXX | XXXX | 9860131 | XXXX B A |
| XXXX | XXXX | 9860134 | XXXX B A |
| XXXX | XXXX | 9860130 | XXXX C A B |
| XXXX | XXXX | 9860132 | XXXX D A B |
| XXXX | XXXX | 9895779 | XXXX D B A |
| XXXX | XXXX | 9846207 | XXXX C A |
| XXXX | XXXX | 9917873 | XXXX A |
| XXXX | XXXX | 9895755 | XXXX A |
| XXXX | XXXX | 9896420 | XXXX A |
| XXXX | XXXX | 9896346 | XXXX D A |
| XXXX | XXXX | 9896443 | XXXX A |
| XXXX | XXXX | 9896336 | XXXX C A |
| XXXX | XXXX | 9896425 | XXXX A |
| XXXX | XXXX | 9896340 | XXXX C A |
| XXXX | XXXX | 9896438 | XXXX A |
| XXXX | XXXX | 9896360 | XXXX A |
| XXXX | XXXX | 9896362 | XXXX A |
| XXXX | XXXX | 9895747 | XXXX A |
| XXXX | XXXX | 9855572 | XXXX D A |
| XXXX | XXXX | 9917877 | XXXX D A |
| XXXX | XXXX | 9896365 | XXXX A |
| XXXX | XXXX | 9896359 | XXXX A |
| XXXX | XXXX | 9896353 | XXXX C A |
| XXXX | XXXX | 9896381 | XXXX D A |
| XXXX | XXXX | 10026815 | XXXX D A |
| XXXX | XXXX | 10026816 | XXXX C A |
| XXXX | XXXX | 10026817 | XXXX C A |
| XXXX | XXXX | 9896390 | XXXX A |
| XXXX | XXXX | 9846217 | XXXX A |
| XXXX | XXXX | 9896337 | XXXX A |
| XXXX | XXXX | 9917869 | XXXX B A |
| XXXX | XXXX | 9917856 | XXXX A |
| XXXX | XXXX | 9896328 | XXXX C A |
| XXXX | XXXX | 10066025 | XXXX A |

---

## Exhibit 99.3

**Exhibit 99.3**

 **Schedule 3 - Data Compare Report**

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

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 9119062 | XXXX | Term | notePage | 360 | 120 | Per note |
| XXXX | XXXX | 9119062 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.159 | 1.04 | Audit matches lender calculation |
| XXXX | XXXX | 9119064 | XXXX | Term | notePage | 360 | 120 | Per Note |
| XXXX | XXXX | 9119064 | XXXX | Lender Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9119064 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.24 | 1.12 | Audit matches with Lender Calculation |
| XXXX | XXXX | 9146946 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.124 | 1.077 | Audit DSCR matches lender calculation. |
| XXXX | XXXX | 9156990 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 50.00 | No Ratio loan |
| XXXX | XXXX | 9190383 | XXXX | Originator Doc Type | employmentIncomePage | 2YR Full Doc | 24 Mo Full Documentation | Loan file contained 1 year 1099 and SSI award letter |
| XXXX | XXXX | 9196979 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.19 | 41.00 | 1008 included primary residence, higher RE tax payment for subj. and used lower income |
| XXXX | XXXX | 9212952 | XXXX | Lender Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9216983 | XXXX | Property Type | propertyValuationPage | Single Family Detached | Two to Four Unit | Per appraisal |
| XXXX | XXXX | 9201258 | XXXX | Loan Amount | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 9201258 | XXXX | Qualifying LTV | propertyValuationPage | 58.74 | 55.80 | Per 1008 |
| XXXX | XXXX | 9201258 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.25 | 49.00 | Audit matches Lender 1008 |
| XXXX | XXXX | 9212938 | XXXX | Refinance Type | the1003Page | Cash Out - Other | No Cash Out - Borrower Initiated | Cash out as paying off part of blanket mortgage |
| XXXX | XXXX | 9212938 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.8 | 46.73 | Audit DTI matches DTI on 1008 |
| XXXX | XXXX | 9196981 | XXXX | Property Type | propertyValuationPage | Single Family Detached | Two to Four Unit | per appraisal |
| XXXX | XXXX | 9217000 | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9217000 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.049 | 1.04 | Due to rounding |
| XXXX | XXXX | 9226537 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.055 | 1.03 | Per audit & matches lender calculation |
| XXXX | XXXX | 9243486 | XXXX | Term | notePage | 360 | 120 | per note. |
| XXXX | XXXX | 9243486 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.377 | 1.24 | Audit DSCR matches Lender DSCR from Worksheet/1008 |
| XXXX | XXXX | 9217010 | XXXX | Loan Amount | notePage | 152000 | XXXX | per note |
| XXXX | XXXX | 9217010 | XXXX | Qualifying LTV | propertyValuationPage | 62.04 | 60.61 | per 1008 |
| XXXX | XXXX | 9248244 | XXXX | Property Type | propertyValuationPage | Single Family Detached | Two to Four Unit | Per appraisal |
| XXXX | XXXX | 9248247 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 10.94 | 4.50 | Audit calculated lower income |
| XXXX | XXXX | 9216987 | XXXX | Property Address | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 9216987 | XXXX | Property City | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 9243442 | XXXX | Property Type | propertyValuationPage | Single Family Detached | Two to Four Unit | Per appraisal |
| XXXX | XXXX | 9243473 | XXXX | Property Type | propertyValuationPage | Single Family Detached | Two to Four Unit | Per appraisal |
| XXXX | XXXX | 9502877 | XXXX | Final Reviewed QM Status | diligenceFinalLookPage | XXXX | ATR/QM: Exempt | Primary home |
| XXXX | XXXX | 9502921 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.034 | 0.98 | Market rent/PITIA; Lender DSCR worksheet not provided |
| XXXX | XXXX | 9236135 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.377 | 1 | Variance due to Lender using higher taxes |
| XXXX | XXXX | 9303112 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.103 | 1 | Audit and Lender DSCR match |
| XXXX | XXXX | 9243500 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |
| XXXX | XXXX | 9243500 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| XXXX | XXXX | 9365880 | XXXX | Property Type | propertyValuationPage | Single Family Detached | Two to Four Unit | per appraisal report |
| XXXX | XXXX | 9502781 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | Full Doc Select 30 Yr Fixed | Doc type per the loan documents is Alt Doc Expanded. |
| XXXX | XXXX | 9243494 | XXXX | Note Date | notePage | XXXX | XXXX | per Note/DOT |
| XXXX | XXXX | 9243494 | XXXX | Property Address | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 9243494 | XXXX | Property Type | propertyValuationPage | Condominium | Two to Four Unit | per appraisal report |
| XXXX | XXXX | 9502945 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.009 | 1 | 1008 PITIA matches Audit. Lender did not provide calculator. |
| XXXX | XXXX | 9502793 | XXXX | Final Reviewed QM Status | diligenceFinalLookPage | XXXX | ATR/QM: Exempt | Subject is a primary residecne |
| XXXX | XXXX | 9857715 | XXXX | Property Zip Code | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9857715 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | XXXX | 9502873 | XXXX | Final Reviewed QM Status | diligenceFinalLookPage | XXXX | ATR/QM: Exempt | Subj is a primary residence |
| XXXX | XXXX | 9365891 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.262 | 1.25 | Audit DSCR match the 1008 |
| XXXX | XXXX | 9502876 | XXXX | Date Last Rate Was Set | tridLePageRevised | XXXX | XXXX | per rate lock |
| XXXX | XXXX | 9502876 | XXXX | Final Reviewed QM Status | diligenceFinalLookPage | XXXX | ATR/QM: Exempt | Primary residence not exempt |
| XXXX | XXXX | 9502143 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.14 | 34.85 | Lender qualified at Interest Only payment and not Start Rate |
| XXXX | XXXX | 9356683 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45 | 41.48 | Audit matches 1008 |
| XXXX | XXXX | 9356673 | XXXX | Property Address | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 9356673 | XXXX | Property Type | propertyValuationPage | Townhouse | Two to Four Unit | Per appraisal |
| XXXX | XXXX | 9613743 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 9388839 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.34 | 30.00 | Audit DTI within 2% of Lender DTI on 1008 |
| XXXX | XXXX | 9365904 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9365904 | XXXX | Qualifying FICO | creditLiabilitiesPage | 718 | 736 | Per Credit report |
| XXXX | XXXX | 9502139 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.23 | 30.00 | Within 2% with 1008 DTI |
| XXXX | XXXX | 9502121 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 21.36 | 42.00 | DTI variance due to lower qualifying income. |
| XXXX | XXXX | 9613781 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.51 | 30.00 | Lender used unverified debts. |
| XXXX | XXXX | 9613785 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.08 | 45.00 | Variance is due to the REO |
| XXXX | XXXX | 9555115 | XXXX | Refinance Type | the1003Page | Cash Out - Other | No Cash Out - Borrower Initiated | Per Final CD |
| XXXX | XXXX | 9555115 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.094 | 1.1933 | Audit DSCR matches DSCR on 1008 |
| XXXX | XXXX | 9555126 | XXXX | Refinance Type | the1003Page | Cash Out - Other | No Cash Out - Borrower Initiated | Per CD |
| XXXX | XXXX | 9555126 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.095 | 1.1933 | Audit and lender match with PITI/market rent |
| XXXX | XXXX | 9857411 | XXXX | Amount of Other Lien | titlePage | 0 | XXXX | no other liens |
| XXXX | XXXX | 9613753 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal report |
| XXXX | XXXX | 9613753 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.51 | 25.42 | monthly taxes were not included in DTI |
| XXXX | XXXX | 9303134 | XXXX | Qualifying FICO | creditLiabilitiesPage | 714 | 700 | Per credit report |
| XXXX | XXXX | 9303134 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.345 | 1 | DSCR worksheet matches with audit |
| XXXX | XXXX | 9613750 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.22 | 44.02 | Neg cash flow lower than reflected on 1008 |
| XXXX | XXXX | 9857559 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 4 | 1 | Per 1003 |
| XXXX | XXXX | 9917881 | XXXX | Qualifying FICO | creditLiabilitiesPage | 705 | 741 | Per credit Report |
| XXXX | XXXX | 9917881 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.764 | 1.872 | Lender HOI monthly payment lower and used higher P&I |
| XXXX | XXXX | 9857673 | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per 1008 |
| XXXX | XXXX | 9857673 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | XXXX | 9857673 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1 | Per credit and subject. |
| XXXX | XXXX | 9388858 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| XXXX | XXXX | 9857519 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | XXXX | 9857519 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 3 | 1 | Per 1003 |
| XXXX | XXXX | 9694026 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.438 | 1.4877 | Lender and audit match with PITI/market rent |
| XXXX | XXXX | 9694027 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.43 | 1.4074 | Audit and lender match PITI/market rent |
| XXXX | XXXX | 9857674 | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per 1008 |
| XXXX | XXXX | 9857742 | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per 1008 in file |
| XXXX | XXXX | 9857742 | XXXX | Borrower 1 Sex - Male | the1003Page | false | True | Not provided on 1003 |
| XXXX | XXXX | 9857739 | XXXX | Loan Type | the1003Page | DSCR | Conventional | per 1008 |
| XXXX | XXXX | 9857739 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | per appraisal report |
| XXXX | XXXX | 9857740 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | per appraisal |
| XXXX | XXXX | 9857740 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 15 | 1 | Per exception in file |
| XXXX | XXXX | 9857741 | XXXX | Borrower 1 Sex - Male | the1003Page | false | True | Per Loan Application |
| XXXX | XXXX | 9857741 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | XXXX | 9857741 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 12 | 1 | Per Lender's exception |
| XXXX | XXXX | 9694030 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.657 | 1.5823 | Lender did not include insurance |
| XXXX | XXXX | 9613741 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal |
| XXXX | XXXX | 9613741 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.41 | 46.95 | Audit matches final 1008 |
| XXXX | XXXX | 9860127 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal value |
| XXXX | XXXX | 9860127 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 4 | 1 | Per 1003. |
| XXXX | XXXX | 9807868 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.179 | 1.12 | Audit used Actual Rent/ PITIA. Lender Calculation not provided |
| XXXX | XXXX | 9694047 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.95 | 26.13 | Audit DTI within 2% of Lender DTI on 1008 |
| XXXX | XXXX | 9860142 | XXXX | Loan Type | the1003Page | DSCR | Conventional | per 1008 |
| XXXX | XXXX | 9860142 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per Initial 1003 |
| XXXX | XXXX | 9860128 | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per 1008/Loan Approval |
| XXXX | XXXX | 9860128 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1 | Per 1003/Credit Report |
| XXXX | XXXX | 9895779 | XXXX | Qualifying LTV | propertyValuationPage | 61.29 | 62.00 | Loan Amount/Purchase Price |
| XXXX | XXXX | 9846207 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.81 | 1.605 | Audit used Market Rent/ PITIA. Lender Calculation not provided |
| XXXX | XXXX | 9917873 | XXXX | Lender Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9896420 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per HUD |
| XXXX | XXXX | 9896420 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 63.44 | 0.00 | cash out funds |
| XXXX | XXXX | 9896346 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 4.79 | 67.00 | verified assets |
| XXXX | XXXX | 9896346 | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | verified assets |
| XXXX | XXXX | 9896443 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per executed Final HUD in file |
| XXXX | XXXX | 9896425 | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | Per Credit report |
| XXXX | XXXX | 9896425 | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Per Assets in file |
| XXXX | XXXX | 9896425 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 19.12 | 44.00 | Per Assets in file |
| XXXX | XXXX | 9896340 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | per appraisal |
| XXXX | XXXX | 9896438 | XXXX | Borrower 1 Bankruptcy in past 7 years? | the1003Page | No | Yes | Per Final 1003 and credit |
| XXXX | XXXX | 9896360 | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Lender used positive rental income for the subject. Actually rental loss |
| XXXX | XXXX | 9896360 | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | lender used positive rental income for subject. |
| XXXX | XXXX | 9896360 | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | per bank statements |
| XXXX | XXXX | 9896360 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 19.06 | 16.85 | discrepancy appears due to rental income calc on subject |
| XXXX | XXXX | 9896362 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 1.46 | 74.00 | Can't use non-borrowing spouse's assets. |
| XXXX | XXXX | 9896362 | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | rounding |
| XXXX | XXXX | 9895747 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.18 | 28.63 | Investment property PITI was not included in DTI |
| XXXX | XXXX | 9855572 | XXXX | Property Address | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9855572 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.891 | 0.85 | Match with Lender DSCR calculation |
| XXXX | XXXX | 9917877 | XXXX | Qualifying FICO | creditLiabilitiesPage | 790 | 794 | Per credit report |
| XXXX | XXXX | 9917877 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.8 | 38.00 | Audit matches final 1008 |
| XXXX | XXXX | 9896365 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | XXXX | 9896359 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | XXXX | 9896359 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 129.29 | 135.00 | Per assets in file. |
| XXXX | XXXX | 9896353 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 36.93 | 48.00 | assets/cash-out verified |
| XXXX | XXXX | 9896381 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.38 | 25.01 | Lender did not include HOA fee on primary residence and did not used a vacancy factor for rental income |
| XXXX | XXXX | 10026815 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal Townhouse/PUD |
| XXXX | XXXX | 10026816 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal Townhouse/PUD |
| XXXX | XXXX | 10026817 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal Townhouse/PUD |
| XXXX | XXXX | 10026817 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.982 | 0.97 | Audit DSCR matches Lender DSCR from Worksheet/1008 |
| XXXX | XXXX | 9896390 | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Audit calculated lower income. |
| XXXX | XXXX | 9896390 | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | Audit calculated lower income. |
| XXXX | XXXX | 9896390 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 69.14 | 0.00 | Per Assets |
| XXXX | XXXX | 9896390 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.67 | 46.38 | Audit calculated lower income and higher consumer debt. |
| XXXX | XXXX | 9896328 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 9896328 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 9896328 | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Per assets |
| XXXX | XXXX | 9896328 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.23 | 41.83 | discrepency is between reo reporting without a loss. |
| XXXX | XXXX | 10066025 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal |

---

## Exhibit 99.3

**Exhibit 99.3**

 **Schedule 4 - ATR QM Report**

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

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | XXXX | 9101474 | 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 | Yes | N/A | N/A | N/A | N/A | 3278.35 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9119062 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9119064 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9146946 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9156990 | 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 | Yes | N/A | N/A | N/A | N/A | 26461.75 | Yes | Not Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9156991 | 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 | 28198.49 | Yes | Not Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9190383 | 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 | 1985 | 7.541 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 3042.41 | Yes | Retired |  | No |  | No |  |
| XXXX | XXXX | 9196979 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 25847.91 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9212925 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9212952 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9216983 | 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 | XXXX | 9201258 | 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 | 1355 | 7.049 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4019.56 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | XXXX | 9212938 | 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 | 9987.5 | 7.155 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6283.26 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9196981 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9201282 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9216992 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9217000 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9226537 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 9251214 | 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 | 14001.94 | 8.345 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4918.65 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9243486 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9243438 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 9217010 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 6126 | 7.963 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1851.08 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9248244 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | Yes | Yes | 148655.86 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9248247 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | 96580.42 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9216987 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9243442 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | 94695.34 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9243473 | 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 | Yes | N/A | N/A | N/A | N/A | 94704.33 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9243454 | 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 | Yes | N/A | Yes | N/A | N/A | 8688.68 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | XXXX | 9502877 | 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 | 12302 | 7.277 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7508.91 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9502866 | 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 | 26182.5 | 7.084 | Yes | N/A | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | 134757.18 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9502875 | 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 | 7995 | 7.154 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9821.31 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | XXXX | 9502921 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9236135 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9303112 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9243500 | 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 | 3708.12 | 7.708 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14632.96 | Yes | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 9248259 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9502874 | 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 | 3262.5 | 8.377 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9046.14 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 9365880 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9303116 | 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 | 27571.25 | 7.893 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 425790.39 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9502781 | 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 | 9495 | 7.529 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4766 | N/A | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 9243494 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9502945 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9388850 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9502918 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9356680 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9365883 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9388855 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 9502793 | 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 | 19990 | 6.874 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17621.03 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9857715 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9502873 | 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 | 11935 | 7.014 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 11658.61 | N/A | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 9502868 | 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 | Yes | N/A | N/A | N/A | N/A | 65940.96 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9365891 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 9502920 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9502948 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9502876 | 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 | 12555 | 7.248 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5727.49 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9365858 | 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 | XXXX | 9356670 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9502143 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 1890 | 7.043 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7913.15 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9356683 | 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 | 8615.53 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | XXXX | 9857716 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9356673 | 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 | 5181.13 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9613743 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9388839 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | 17250.73 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9365904 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9502139 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | 4194.1 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9555103 | 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 | 37456.65 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9857648 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9857649 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9555120 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9694016 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9502121 | 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 | 2445 | 7.032 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43993.89 | Yes | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 9555127 | 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 | 29701.04 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9613781 | 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 | 57955.46 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9613785 | 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 | 14647.51 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9555115 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9555126 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9857411 | 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 | 1573347.17 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9613753 | 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 | 1590 | 7.059 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 12383.55 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9303134 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9502097 | 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 | 6815 | 8.446 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9625.73 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9356676 | 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 | 34446.29 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9613750 | 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 | 9809.79 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | XXXX | 9694019 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9857559 | 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 | 66414.9 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9917881 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9768905 | 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 | 7908.67 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9857673 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9768913 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9388858 | 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 | 1312 | 7.539 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5590.03 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9857519 | 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 | 11483.63 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9694026 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9694027 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9857674 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9857742 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9857739 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9857740 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9857741 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9694030 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9694018 | 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 | 33189.41 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9857484 | 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 | 1590 | 7.089 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 64052.98 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9613741 | 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 | 2805 | 7.115 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2792.68 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9860127 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9694024 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9768907 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9807868 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9855589 | 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 | 15057.91 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9860136 | 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 | 9227.5 | 6.585 | Yes | N/A | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 24309.19 | Yes | Not Employed | Not Employed | No | No | No |  |
| XXXX | XXXX | 9846208 | 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 | 1710 | 6.545 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6274.87 | N/A | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 9694047 | 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 | 64780.35 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | XXXX | 9860142 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9694056 | 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 | 1312 | 7.002 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37947.49 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | XXXX | 9694058 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9860139 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9860128 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9860131 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | 116975.37 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9860134 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | Yes | N/A | Yes | N/A | Yes | Yes | N/A | N/A | N/A | 124194.16 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9860130 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | 116931.47 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9860132 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | N/A | Yes | N/A | Yes | Yes | N/A | N/A | 116931.47 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9895779 | 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 | 6340 | 7.393 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14047.5 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9846207 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9917873 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9895755 | 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 | 69635.6 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9896420 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9896346 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 9896443 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9896336 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9896425 | 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 | 77114.76 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9896340 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9896438 | 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 | 8095 | 7.096 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 75572.67 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9896360 | 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 | 36512.65 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9896362 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9895747 | 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 | 14190 | 6.504 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29945.03 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9855572 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9917877 | 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 | 57019.85 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9896365 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9896359 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9896353 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9896381 | 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 | 32796.17 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10026815 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 10026816 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 10026817 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9896390 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 10551 | 7.559 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6693.26 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 9846217 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 9896337 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 8345 | 7.175 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4133.16 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9917869 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 9917856 | 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 | XXXX | 9896328 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | 81868.6 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10066025 | 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 |

---

## Exhibit 99.3

**Exhibit 99.3**

 **Schedule 5 - Valuation Report**

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

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | 9101474 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 9119062 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9119064 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9146946 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.32 | 74.32 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9156990 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| XXXX | XXXX | 9156991 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| XXXX | XXXX | 9190383 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9196979 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0049 | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | .0049 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9212925 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9212952 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.86 | 74.86 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9216983 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.6 | XXXX |
| XXXX | XXXX | 9201258 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 58.74 | 58.74 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 9212938 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 44.7 | 44.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9196981 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9201282 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9216992 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9217000 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9226537 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX |
| XXXX | XXXX | 9251214 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | XXXX | 9243486 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9243438 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 73.66 | 73.66 | XXXX | XXXX | -.0149 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0149 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9217010 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 62.04 | 62.04 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9248244 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0569 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0569 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9248247 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9216987 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.99 | 79.99 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9243442 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9243473 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9243454 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.4 | XXXX |
| XXXX | XXXX | 9502877 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9502866 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX | XXXX | 9502875 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 9502921 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9236135 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9303112 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9243500 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9248259 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9502874 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX |
| XXXX | XXXX | 9365880 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9303116 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0179 | 1073 Individual Condo Report |  |  |  |  | XXXX | XXXX | -.0179 | XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9502781 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 62.5 | 62.5 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX | XXXX | 9243494 | XXXX | XXXX | 215000 | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9502945 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 67.8 | 67.8 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9388850 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9502918 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 9356680 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9365883 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9388855 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 74.75 | 74.75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9502793 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 62.96 | 62.96 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | XXXX | 9857715 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 44.12 | 44.12 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9502873 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9502868 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9365891 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.98 | 60.98 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 9502920 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9502948 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX | XXXX | 9502876 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 78.22 | 78.22 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9365858 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9356670 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9502143 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 66.67 | 66.67 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 2.4 | XXXX |
| XXXX | XXXX | 9356683 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9857716 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9356673 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9613743 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9388839 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9365904 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9502139 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9555103 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX | XXXX | 9857648 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | XXXX | 9857649 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 38.46 | 38.46 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9555120 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9694016 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9502121 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 52.63 | 52.63 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9555127 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 9613781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9613785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9555115 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9555126 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9857411 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9613753 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9303134 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0032 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0032 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9502097 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 76.92 | 76.92 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.7 | XXXX |
| XXXX | XXXX | 9356676 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9613750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9694019 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72.42 | 72.42 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9857559 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 9917881 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9768905 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9857673 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9768913 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9388858 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9857519 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 68.89 | 68.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 9694026 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9694027 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9857674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | XXXX | 9857742 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9857739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9857740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9857741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9694030 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9694018 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 49.48 | 49.48 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9857484 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0909 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0909 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XXXX |
| XXXX | XXXX | 9613741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 53.85 | 53.85 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9860127 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9694024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 74.58 | 74.58 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9768907 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 73.0 | 73.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9807868 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | XXXX | 9855589 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.53 | 74.53 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX | XXXX | 9860136 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 62.15 | 62.15 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9846208 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9694047 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.7 | XXXX |
| XXXX | XXXX | 9860142 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9694056 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0028 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0028 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9694058 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.41 | 79.41 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | XXXX | 9860139 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 41.38 | 41.38 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9860128 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9860131 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9860134 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9860130 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.85 | 74.85 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9860132 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9895779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 61.29 | 61.29 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9846207 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9917873 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9895755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | XXXX | 9896420 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 44.74 | 44.74 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9896346 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | XXXX | 9896443 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | XXXX | 9896336 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9896425 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9896340 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9896438 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 58.82 | 58.82 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9896360 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0110 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0110 | 94.0 | 0.06 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 9896362 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9895747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9855572 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | XXXX | 9917877 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9896365 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.96 | 69.96 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9896359 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | 98.0 | 0.02 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | XXXX | 9896353 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9896381 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10026815 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 66.29 | 66.29 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10026816 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.48 | 69.48 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.4 | XXXX |
| XXXX | XXXX | 10026817 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 68.05 | 68.05 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9896390 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.32 | 79.32 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | XXXX | 9846217 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 68.18 | 68.18 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9896337 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.86 | 17.86 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 9917869 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 69.7 | 69.7 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX | XXXX | 9917856 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | XXXX | 9896328 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 10066025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |

---

## Exhibit 99.4

**Exhibit 99.4**

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

![](ex994001.jpg)

**February 3, 2026**<br> **Due Diligence Narrative Report**

![](ex994002.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &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** | **8** |
| **Clayton Due Diligence Results** | **9** |
| **Clayton Third Party Reports Delivered** | **10** |
| **Appendix A: Credit Review Scope** | **10** |
| **Appendix B: Origination Appraisal Assessment** | **13** |
| **Appendix C: Regulatory Compliance Review Scope** | **16** |

---

MSRM 2026-NQM2 Due Diligence Narrative Report Page \| 1 February 3, 2026

![](ex994002.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 27 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 11 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 eResi Mortgage, Clayton conducted an independent third-party pre-securitization due diligence review of 26 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 CP Financial, Clayton conducted an independent third-party pre-securitization due diligence review of 1 residential loan. This loan was 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 SG Capital Partners, Inc., Clayton conducted an independent third-party pre-securitization due diligence review of 1 residential loan. This loan was 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 May 2024 and December 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:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;51 | &nbsp;&nbsp;77.27% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;15 | &nbsp;&nbsp;22.73% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**66** | &nbsp;&nbsp;**100.00%** |

---

MSRM 2026-NQM2 Due Diligence Narrative Report Page \| 2 February 3, 2026

![](ex994002.jpg)

**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."

Sampling

For all originators in this transaction, 50% of the loans received a Full Review as described below.

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp;***Loan Count***<br> ***Reviewed by*** <br> ***Clayton*** | &nbsp;&nbsp;***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | &nbsp;&nbsp;33\* | &nbsp;&nbsp;Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;**Total Loan** <br> **Population** | &nbsp;&nbsp;66 |  |

---

\*33 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.

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

MSRM 2026-NQM2 Due Diligence Narrative Report Page \| 3 February 3, 2026

![](ex994002.jpg)

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

![](ex994004.jpg)

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

MSRM 2026-NQM2 Due Diligence Narrative Report Page \| 4 February 3, 2026

![](ex994002.jpg)

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 (66 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (40 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

33 loans had CU scores of 2.5 or less and did not require a third-party valuation. For further detail please refer to the 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

MSRM 2026-NQM2 Due Diligence Narrative Report Page \| 5 February 3, 2026

![](ex994002.jpg)

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;

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 2026-NQM2 Due Diligence Narrative Report Page \| 6 February 3, 2026

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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.

MSRM 2026-NQM2 Due Diligence Narrative Report Page \| 7 February 3, 2026

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**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.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of** <br> **Loans** | &nbsp;&nbsp;**%** <br> **Accuracy** |
| &nbsp;&nbsp;Borrower 1 Total Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.48% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.48% |
| &nbsp;&nbsp;Borrower DSCR Percent | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.48% |
| &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;18 | &nbsp;&nbsp;72.73% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;93.94% |
| &nbsp;&nbsp;Credit Report Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.97% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;6 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;93.94% |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.97% |
| &nbsp;&nbsp;DTI Qualifying (Back) | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.48% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.48% |
| &nbsp;&nbsp;Min Number | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.48% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;18 | &nbsp;&nbsp;72.73% |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.48% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.48% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.97% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.97% |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.48% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.97% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.48% |
| &nbsp;&nbsp;Product Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.88% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;14 | &nbsp;&nbsp;78.79% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.97% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;20 | &nbsp;&nbsp;69.70% |
| &nbsp;&nbsp;Total Monthly Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.48% |

---

MSRM 2026-NQM2 Due Diligence Narrative Report Page \| 8 February 3, 2026

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**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 (66 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.

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

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

MSRM 2026-NQM2 Due Diligence Narrative Report Page \| 9 February 3, 2026

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**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 (33 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

&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

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○ 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

&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:

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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;▪ 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

○ 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

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– 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

**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

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○ 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

○ 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:

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– 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

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.

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○ 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.

**<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,

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 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.

● 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

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● 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.

● 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.

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● 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.

**<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:

---

| | | |
|:---|:---|:---|
| **Higher-Priced** | **Higher-Priced** | **Higher-Priced** |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;New York |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Massachusetts (subprime ARMS to first time homebuyers) | &nbsp;&nbsp;North Carolina |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Minnesota |  |

---

**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:

---

| | | |
|:---|:---|:---|
| **State/Local High Cost** | **State/Local High Cost** | **State/Local High Cost** |
| Arkansas | Maine | Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |
| Colorado | Massachusetts | South Carolina |

---

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---

| | | |
|:---|:---|:---|
| **State/Local High Cost** | **State/Local High Cost** | **State/Local High Cost** |
| Connecticut | Nevada | Tennessee |
| District of Columbia | New Jersey | Texas |
| Florida | New Mexico | 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 |  |
| Kentucky | 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).

**D.** **Borrower's Interest** 

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

---

| | | |
|:---|:---|:---|
| **Borrower's Interest** | **Borrower's Interest** | **Borrower's Interest** |
| Maine | Ohio | South Carolina |
| Massachusetts | 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:

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---

| | |
|:---|:---|
| &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) |
| Hawaii (Financial Services Loan Company Act) | 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) |
| Iowa (Consumer Credit Code) | Utah (Consumer Credit Code) |
| Kansas (Consumer Credit Code) | Virginia (Mortgage Lender and Broker Act) |
| &nbsp;&nbsp;Kentucky (HB 552) | &nbsp;&nbsp;Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| Maryland (DLLR Regulations, Commercial Law) | West Virginia (Consumer Credit Protection Act) |
| Massachusetts (Attorney General regulations) | Wyoming (Residential Mortgage Practices Act) |
| 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.

**<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

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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.© 2026 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 2026-NQM2 Due Diligence Narrative Report Page \| 22 February 3, 2026

## Exhibit 99.4

**Exhibit 99.4**

 **Schedule 1 - Non ATR QM Upload Report**

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

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2026-NQM2** |
| **Start - End Dates:** | **5/1/2024 - 12/27/2025** |
| **Deal Loan Count:** | **66** |
| **ATR QM Upload** | **ATR QM Upload** |
| *Loans in Report:* | *66* |

---

---

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 9251234 | XXXXXX | XXXXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No 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 | 7.6178 | Yes | No | 3.621 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 35.4 | 0 | 35.4 | 35.4 | 35.4 | No | No | (No Data) | 8453.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896400 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2560.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2600.00 | No | (No Data) | 1.0154 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896339 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2154.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3300.00 | No | (No Data) | 1.5315 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896363 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4707.5 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6000.00 | No | (No Data) | 1.2746 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896432 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1499.11 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.3341 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896413 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3810.83 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4500.00 | No | (No Data) | 1.1808 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896326 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4102.06 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3900.00 | No | (No Data) | 0.9507 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 9896446 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1183.97 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1485.00 | No | (No Data) | 1.2542 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896350 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1713.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.4586 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896449 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 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 | 6.3749 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2650.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2700.00 | No | (No Data) | 1.0186 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896419 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4601.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4700.00 | No | (No Data) | 1.0215 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896352 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1299.4 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1400.00 | No | (No Data) | 1.0774 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896396 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1531.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.3057 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896372 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 6.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1821.12 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2300.00 | No | (No Data) | 1.2630 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896345 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8323.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 9000.00 | 1.0812 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896444 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7891.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 8000.00 | No | (No Data) | 1.0138 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896412 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | Permanent Resident Alien | (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 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3087.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3250.00 | No | (No Data) | 1.0526 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 9896371 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 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 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1871.85 | Yes | 60 | No | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3403.71 | No | (No Data) | 1.8184 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896367 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2292.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2500.00 | 1.0907 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896331 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1946.41 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 0.9248 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896426 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4275.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 7419.00 | No | (No Data) | 1.7351 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896329 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (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 | 6.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7489.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | Yes | Full Recourse | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 9666.00 | No | (No Data) | 1.2906 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896376 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2400.46 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 0.8332 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896447 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (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%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2302.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | No | (No Data) | 1.0423 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | Green Card | Green Card | (No Data) |
| 9896430 | XXXXXX | XXXXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7981 | Yes | No | 1.323 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.29 | 31.52 | 47.29 | 31.52 | 31.52 | 31.52 | No | No | (No Data) | 12678.83 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026549 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5686.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 6225.00 | 1.0946 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026553 | XXXXXX | XXXXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6450 | Yes | Yes | 1.311 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 12.74 | 12.74 | 12.74 | 12.74 | 12.74 | 12.74 | No | No | (No Data) | 47998.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 8087243 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1049.48 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 1240.00 | No | (No Data) | 1.1815 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 8087307 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1796.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.1134 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9101302 | XXXXXX | XXXXXX | XXXXXX | XXX | QM: Rebuttable Presumption (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (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) | No | No | 1 | 8.9339 | Yes | Yes | 1.366 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.07 | 31.07 | 31.07 | 31.07 | 31.07 | 31.07 | No | No | (No Data) | 31940.59 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | 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;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9101304 | XXXXXX | XXXXXX | XXXXXX | XXX | QM: Rebuttable Presumption (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.2351 | Yes | Yes | 2.688 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.33 | 38.51 | 38.51 | 38.51 | 38.51 | 38.51 | No | No | (No Data) | 14439.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9101308 | XXXXXX | XXXXXX | XXXXXX | XXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.0004 | Yes | Yes | 2.354 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.35 | 30.35 | 30.35 | 30.35 | 30.35 | 30.35 | No | No | (No Data) | 26496.1 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9101478 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 2.82 | 0 | 2.82 | 2.82 | 2.82 | (No Data) | (No Data) | (No Data) | 89325.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9101320 | XXXXXX | XXXXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.4897 | Yes | Yes | 3.524 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.05 | 35.05 | 35.05 | 35.05 | 35.05 | 35.05 | No | No | (No Data) | 11898.67 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (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) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9362275 | XXXXXX | XXXXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.5213 | Yes | Yes | 1.846 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.14 | 36.91 | 36.14 | 35.67 | 35.67 | 36.14 | No | Yes | Yes | 13406.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9362294 | XXXXXX | XXXXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.6197 | Yes | Yes | 3.493 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 19.84 | 19.84 | 19.84 | 19.84 | 19.84 | 19.84 | No | Yes | Yes | 19991 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | 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 - 48 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9362278 | XXXXXX | XXXXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 10.0322 | Yes | Yes | 4.139 | 2.028 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.33 | 41.33 | 41.33 | 41.33 | 41.33 | 41.33 | No | No | (No Data) | 6115.67 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9362289 | XXXXXX | XXXXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.2487 | Yes | No | 2.198 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.72 | 42.51 | 48.72 | 42.51 | 42.51 | 42.51 | No | No | (No Data) | 34433.94 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9502790 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2490 | No | No | 4 | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 44.36 | 0 | 44.36 | 44.36 | 44.36 | (No Data) | (No Data) | (No Data) | 28911.38 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 7 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> CPA Letter - 24 months;<br> P & L - 7 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9196977 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 6 mos interest of amt prepaid in 36 mos if amt prepd >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 3.05 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5280.4 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3200.00 | No | (No Data) | 1.22 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 9236153 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 2%, 1% of amt prepd in 12 mos that is >20% of OPB in year 1,2 | (No Data) | Yes | Yes | 1 | 8.4489 | No | No | 4.938 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6595.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4800.00 | No | (No Data) | 1.01 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9236120 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.6263 | No | No | 2.511 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7082.34 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3800.00 | No | (No Data) | 1.10 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9239914 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 8.2500 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2062.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1750.00 | No | (No Data) | 1.27 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9239960 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 2%, 1% of amt prepd in 12 mos that is >20% of OPB in year 1,2 | (No Data) | No | Yes | 1 | 6.9900 | Yes | No | 1.6 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 41.57 | 0 | 41.57 | 41.57 | 42.37 | (No Data) | (No Data) | (No Data) | 94176.49 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9243472 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | Yes | Yes | 1 | 7.5615 | No | No | 4.587 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4066.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3700.00 | No | (No Data) | 1.07 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9365865 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 1% of amt prepd | (No Data) | No | Yes | 1 | 7.7501 | No | No | 1 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3264.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3400.00 | No | (No Data) | 1.72 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9388829 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3743.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4000.00 | No | (No Data) | 1.07 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9502129 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 7.4900 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9758.02 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4800.00 | No | (No Data) | 1.00 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9243455 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -15480.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4300.00 | No | (No Data) | 1.18 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9807869 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 6.9900 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5720.91 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 3800.00 | 1.05 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 12 Months | DSCR - w/lease agreement - 12 Months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896323 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1115.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1400.00 | No | (No Data) | 1.2551 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9182101 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6624 | No | No | 5.866 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5324.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1725.00 | No | (No Data) | 1.14 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9243440 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.0591 | Yes | No | 3.312 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 26.63 | 0 | 26.63 | 26.63 | 26.63 | (No Data) | (No Data) | (No Data) | 50763.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9243468 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 24 mos adv interest on amt prepd within 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 9.1250 | No | No | 14.6 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -24869.23 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 8000.00 | No | (No Data) | 1.02 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9356684 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 48.03 | 0 | 48.03 | 48.03 | 48.03 | (No Data) | (No Data) | (No Data) | 17929.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (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) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9388861 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 3.15 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10174.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 8800.00 | No | (No Data) | 1.10 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9502138 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 7.3750 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2464.23 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2030.00 | No | (No Data) | 1.04 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9613764 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6544.53 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1600.00 | No | (No Data) | 1.17 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9694017 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepaid in 12 mos | (No Data) | Yes | Yes | 1 | 7.4900 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 37.86 | 0 | 37.86 | 37.86 | 37.86 | (No Data) | (No Data) | (No Data) | 23731.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (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) | 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 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9768894 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9900 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 8.03 | 0 | 8.03 | 8.03 | 8.03 | (No Data) | (No Data) | (No Data) | 64173.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9768914 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 7.1251 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7003.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2900.00 | No | (No Data) | 1.02 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9807859 | XXXXXX | XXXXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4894 | Yes | Yes | 2.501 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Not Applicable | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 12.66 | 21.32 | 12.66 | 21.32 | 21.32 | 21.32 | No | No | (No Data) | 16568.37 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9846203 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2414.24 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3800.00 | No | (No Data) | 1.57 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9846212 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 1% of amt prepd in 12 mos | (No Data) | No | Yes | 1 | 6.7500 | Yes | No | 1 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 24.45 | 0 | 24.45 | 24.45 | 24.45 | (No Data) | (No Data) | (No Data) | 35454.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9855600 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 2% of amt prepd | (No Data) | No | Yes | 1 | 7.3750 | No | No | 2 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3879.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 5400.00 | 1.39 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 12 Months | DSCR - w/lease agreement - 12 Months | DSCR - w/lease agreement - 12 Months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9895776 | XXXXXX | XXXXXX | XXXXXX | XXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 38.28 | 0 | 38.28 | 38.28 | 38.28 | (No Data) | (No Data) | (No Data) | 5509.25 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |

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<br>©2026 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

**Exhibit 99.4**

 **Schedule 2 - Conditions Report**

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

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2026-NQM2** |
| **Start - End Dates:** | **5/1/2024 - 12/27/2025** |
| **Deal Loan Count:** | **66** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *66* |
| ***Loans with Conditions:*** | *29* |
| **7 - Total Active Conditions** | **7 - Total Active Conditions** |
| **7 - Non-Material Conditions** | **7 - Non-Material Conditions** |
|  | 7 - Credit Review Scope |
|  | 2 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: Assets |
|  | 1 - Category: Credit/Mtg History |
|  | 1 - Category: Income/Employment |
|  | 2 - Category: LTV/CLTV |
| **40 - Total Satisfied Conditions** | **40 - Total Satisfied Conditions** |
|  | 34 - Credit Review Scope |
|  | 3 - Category: Application |
|  | 4 - Category: Assets |
|  | 3 - Category: Credit/Mtg History |
|  | 1 - Category: DTI |
|  | 2 - Category: Income/Employment |
|  | 1 - Category: Insurance |
|  | 7 - Category: Legal Documents |
|  | 11 - Category: Terms/Guidelines |
|  | 2 - Category: Title |
|  | 2 - Property Valuations Review Scope |
|  | 2 - Category: Appraisal |
|  | 4 - Compliance Review Scope |
|  | 2 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: Right of Rescission |
|  | 1 - Category: State Prepayment Penalty |
| **7 - Total Waived Conditions** | **7 - Total Waived Conditions** |
|  | 4 - Credit Review Scope |
|  | 1 - Category: Credit/Mtg History |
|  | 1 - Category: Legal Documents |
|  | 2 - Category: Terms/Guidelines |
|  | 3 - Property Valuations Review Scope |
|  | 3 - Category: Appraisal |
| <br>©2026 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>©2026 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. |

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|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2026-NQM2** |
| **Start - End Dates:** | **5/1/2024 - 12/27/2025** |
| **Deal Loan Count:** | **66** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *66* |
| ***Loans with Conditions:*** | *29* |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 9251234 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | The loan file does not contain mortgage statement and taxes/ins verification for property located at XXX. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 11.72 months of reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 766 fico |
| 9896400 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 674 is 14 points above minimum program requirement of 660.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 57.25%; guidelines allow 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX/28.46 PITIA which is > guideline minimum of 6 months PITIA. |
| 9896339 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 741 is above minimum program requirement of 700.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower only using 4% of available revolving credit.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: $XXX, XXXmonths; 3 months required. |
| 9896363 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Income/Employment | Active B | CRDINC3204 | Income Documentation Missing | No | Missing evidence of two month rent receipt for ADU per guidelines (Sec 1.9.1.1.4 - Page 72). XXX deems non-material/non-fatal to lending decision due to compensating factors: Credit score 773/660 minimum, LTV 62.18/75% maximum, XXX months cash reserves/3 required, 240 months of 0x30 consumer credit history per CBR and 9 years at primary residence. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: 9 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 773 mid-score per CBR. 660 minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 240 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of reserves in file. 3 required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 62.18% LTV per review; 75% LTV is maximum allowed per guidelines. |
| 9896432 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 750 is above minimum program requirement of 660.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 75%; guidelines allow 85%.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower only using 5% of available credit. |
| 9896413 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing supporting documentation for XXX business accounts XXX & XXX . Accounts held under business name XXX. No documentation is on file to support borrowers ownership and access to this business account. | 12-15-25 Client uploaded EIN for business. | 12-16-25 XXX reviewed EIN for business which reflects borrower is sole member. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of705 is above the required 660<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80 is below the maximum allowable of 85<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of93 months exceeds the required 12 months |
| 9896413 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing verification of XXX account XXX used for closing with a balance of at least $XXX. | 12-15-25 Client uploaded VOD. | 12-16-25 XXX reviewed VOD dated 12-4-25 for XXX XXX reflecting a balance of $XXX with a 30 day average of $XXX. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of705 is above the required 660<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80 is below the maximum allowable of 85<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of93 months exceeds the required 12 months |
| 9896326 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 699 FICO score is above the 680 min.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 59.895 LTV is below the 70% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX , XXX months. 3 months required. |
| 9896446 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 747 is above the required 700.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 80%; guidelines allows 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves= $XXX , XXX months. 0 months required. |
| 9896350 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 661 is above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 57.345%; guidelines allow 75%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrowers have0x30x15 months mortgage payment history exceeding guideline requirement of 1x30x12. |
| 9896449 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 803 is 103 points above minimum program requirement of 700.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 72.969%; guidelines allow 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX/XXX PITIA which is > guideline minimum of 6 months PITIA reserves. |
| 9896419 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 204 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 23 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves XXX, 59.94 months reserves, 0 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 740 exceeds the minimum of 660<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 5% revolving credit utilized<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 75% is below the maximum of 85% |
| 9896352 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Provide citizenship declaration as Application is blank. | 12-9-25 Client uploaded 1003. | 12-9-25 XXX reviewed 1003 which reflects borrower as a US citizen. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 701 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 32.43 months. 3 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of 17 months exceeds the required 12 months.<br>CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Borrower current PITI is $XXX; Subject PITI is $XXX. Monthly savings of $202.60. |
| 9896396 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Verified credit score 682. Guideline minimum 660.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been in current residence 23 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 93.42 months. 12 months reserves are required. |
| 9896372 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for 6 years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying fico is 772. G/l min is 700<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 20% consumer credit utilization in file |
| 9896345 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Assets | Active B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Short $543.16. Required reserves = 3 months or $XXX. Reserves verified at $XXX. XXX deems non-material/non-fatal to lending decision due to small amount of shortage and compensating factors: Credit score of 704/700 minimum, Mortgage payment reduction of $XXX and minimal credit use of 0%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Borrower current PITI is $XXX; Subject PITI is $XXX = Monthly savings of $1,383.80.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal credit usage ratio of 0%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 704 is 4 points above minimum program requirement of 700. |
| 9896345 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Active B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | 5% LTV exception as max is 75% for cash out refinance and loan closed at 80%.Loan considered a cash out refinance as it paid off a XXX loan to XXX. Payoff indicates next payment due on as "not applicable", payoff is $XXX with the original lien at $XXX per HUD in file dated 4-29-24 and no verification of mortgage payment history was provided. XXX deems non-material/non-fatal to lending decision due to compensating factors: Credit score of 704/700 minimum, Mortgage payment reduction of $XXX and minimal credit use of 0%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Borrower current PITI is $XXX; Subject PITI is $XXX = Monthly savings of $1,383.80.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal credit usage ratio of 0%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 704 is 4 points above minimum program requirement of 700. |
| 9896444 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of797 is above the required 740<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 77.58 is below the maximum allowable of 80<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves: $XXX or 9.16 months of PITIA. 0 months required. |
| 9896412 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing documentation for B2 related to residency. Loan application indicates B2 residency status as permanent resident, however no supporting documentation was provided. | 12-10-25 Client replied: Both borrowers drivers license and SSNs included in the original upload, reuploaded.12-11-25 Client replied: Perm res docs uploaded | 12-10-25 XXX reviewed the file and 1003 indicates B2 is a permanent resident alien which requires a copy of the green card. Exception remains. 12-12-25 XXX reviewed docs and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of763 is above the required 740<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80 is below the maximum allowable of 85<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves: $XXX or 76.83 months of PITIA. 0 months required. |
| 9896371 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Active B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | 5% LTV exception for property being unleased as the max LTV is 70% per NONI 5-15-25 guidelines and loan closed at 75%. XXX deems non-material/non-fatal to lending decision due to compensating factors: Credit score 790/700 minimum, 89.91 months cash reserves/12 required and mortgage payment history of 99+ months/12 required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Verified credit score 790. Guideline minimum is 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has 99+ months on-time mortgage payment history. Guidelines require a 12 month review.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 89.91 months. 12 months reserves are required. |
| 9896367 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 729 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 0x30 consumer credit history since 2021 per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 28 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 10.3 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 75% LTV per review; 80% LTV is maximum allowed per guidelines. |
| 9896331 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 732 FICO score is above the 660 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 105.43 months of reserves are above the required 3.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 64.853% LTV is below the 75% max. |
| 9896426 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 690 is above the required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves= $XXX , 69.19 months. 3 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history on subject of 99 months exceeds the required 12 months. Primary housing since 2-2022. |
| 9896329 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80% is less than the guideline maximum of 85%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: B2 and B3 have been in current residence 25 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = XXX, 17.26 months. No reserves are required. |
| 9896376 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 755 mid-score per CBR. 700 minimum.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 17 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 79 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 89 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: $XXX = 231.18 months of reserves. 0 months required. |
| 9896447 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Verified credit score 807. Guideline minimum 700.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: B2 has been in current residence 4 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 9.34 months. 3 months reserves are required. |
| 9896430 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Assets | Satisfied C A | CRDAST3036 | Assets reflect unsourced deposits | No | Missing documentation of source of funds used to increase XXX acct #XXX from $XXX on XXX to $XXX (funds used to close) on XXX The account has an increase of $XXX Per guideline 1.6.1, large deposits greater than 100% of monthly business revenue must be documented for purchase transactions. | 12-16-25 Client replied: Please escalate to a manager and see LOE uploaded12-23-25 Client uploaded ownership doc for XXX | 12-16-25 XXX reviewed LOX. Exception is in place due to missing documentation that borrower is XXX with access to BOA 9144 in the name of XXX Once Evidence of XXX of XXX is received both exceptions can be cleared as it will justify the increase in XXX XXX to cover the wire to close. Exception remains. 12-23-25 XXX reviewed ownership doc which reflects XXX and supports access to funds and ability to fund closing. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score 681 exceeds the minimum of 620<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 31.52% is below the maximum of 45%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 68.29% is below the maximum of 80% |
| 9896430 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing evidence that borrower is XXX of XXX with access to funds in XXX XXX.Note: CPA letter in file states borrower is 100% owner and sole proprietor of her business which is for XXX - XXX XXX account. | 12-23-25 Client uploaded ownership doc. | 12-23-25 XXX reviewed Bylaws for corporation which reflects borrower is XXX Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score 681 exceeds the minimum of 620<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 31.52% is below the maximum of 45%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 68.29% is below the maximum of 80% |
| 9896430 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing satisfactory evidence that the transaction is not bail out due to Non-Arms Length transaction. Provide one of the following per guidelines (sec 1.4.3.1): 1) a 12- month mortgage history on the existing mortgage securing the subject property, confirmingthe Family Sale is not a foreclosure or2) Copy of the sellers payoff reflecting the loan being paid off in not in arears or3) Copy of the sellers most recent mortgage statement reflecting the loan is current | 12-23-25 Client uploaded payoff. | 12-23-25 XXX reviewed payoff which reflects the subject property lien was not in arears. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score 681 exceeds the minimum of 620<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 31.52% is below the maximum of 45%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 68.29% is below the maximum of 80% |
| 10026549 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: $XXX, 16.30 months; 3 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 711 is 11 points above minimum program requirement of 700.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower has 0x30 for 86 months. |
| 10026553 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 741 mid-score per CBR. 660 minimum.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 8.8 years employed with XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: 29.8 years in the Finance profession.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 103 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 24 months of 0x30 mortgage history per CBR. 12 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 13.35 months of reserves in file. 3 required. |
| 8087243 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 2 years at current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 81.54 months PITIA vs 0 months reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 52.63% is 12.37% below the 65% LTV allowed for the program. |
| 8087307 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Guarantor 1 has been in current residence for 3 years and 3 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified 34.42 months reserves<br>CFCFS2860: Good credit history<br> - XXX Comments: Guarantor 1 has 0 x 30 in last 12 months |
| 9101302 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied 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 APOR, XXX status is QM Rebuttable APOR due to: Benchmark Date XXX loan has a Test APR of 8.934%; the Benchmark Rate was 6.870%; Variance 2.064%, max allowed 1.500%. | 3.14.25 Client response; We accept the determination on this and please clear the exception.3.17.25 XXX memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon XXXs review. | 3.17.25 XXX memo; exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is below guideline maximum of XXX% for an Alt Doc purchase with a 725 credit score.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 31.06% is below guideline maximum of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 23.24 months. 6 months required. |
| 9101302 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Credit | Ability to Repay/Qualified Mortgage | Active B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon XXX's review | No | Client agreed to QM rebuttable APSOR status based upon XXX review | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is below guideline maximum of XXX% for an Alt Doc purchase with a 725 credit score.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 31.06% is below guideline maximum of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 23.24 months. 6 months required. |
| 9101304 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied 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 APOR due to: Benchmark Date XXX; loan has a Test APR of 8.235%; the Benchmark Rate was 6.730%; Variance 1.505%; Max allowed is 1.5000% | 3.24.25 Client response; We accept the determination on this and please clear the exception.3.24.25 XXX memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon XXXs review. | 3.24.25 XXX memo; exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 27.87 months of reserves in file.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 746 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 129 months of 0x30 mortgage history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 62.48% LTV per review; 80% LTV is maximum allowed per guidelines. |
| 9101304 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Credit | Ability to Repay/Qualified Mortgage | Active 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 | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 27.87 months of reserves in file.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 746 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 129 months of 0x30 mortgage history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 62.48% LTV per review; 80% LTV is maximum allowed per guidelines. |
| 9101308 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH120 | Collections, charge offs, liens, etc. exceed guidelines | No | Collections, charge offs, liens, etc. exceed guidelines. File has a charge off from XXX | After further review, XXX deems this non-material due to the following compensating factors; 727 FICO, 20 years at current employment, and XXX months in reserves. | Non-material. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX or 11.20 months PITI reserves; guidelines require 6 months reserves.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has 20 years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 727 credit score; 660 minimum required score<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 30.35% DTI; 50% maximum DTI |
| 9101478 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 75% LTV < guideline maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 700 qualifying score exceeds 620 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves in file or 64.83 months PITI > required guidelines |
| 9101320 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | Right of Rescission | Satisfied B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | ROR receipt date of XXX. Form reflects Earliest ROR Expiration Date as XXX. Actual earliest ROR Expiration Date is XXX. Provide corrected H8 form reflecting as such executed on XXX | 3.26.25-Client provided corrected H8 ROR form, with borrower initialed changes. Satisfied. | 3.26.25- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per VOE B1 has been on job since XXX.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Per VOE B2 has been on job since XXX.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has never been 1X30 with history from XXX |
| 9101320 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender's loan approval/underwriting form | 3.26.25 Please find the final Loan Approval3.26.25 exception satisfied | 3.26.25 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per VOE B1 has been on job since XXX.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Per VOE B2 has been on job since XXX.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has never been 1X30 with history from XXX |
| 9362275 | XXXXXX | XXXXXX | 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: Reserves required $XXX X XXX= $XXX. Verified post cls reserves $XXX or 11.10 months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO is 699, minimum required is 680<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrower has a 7 year credit history, 10 open and active tradelines |
| 9362294 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 50% max allowed per G/L is 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO is 690, minimum G/L is 600<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: No reserves required on LTV = 75%. Verified post cls reserves $XXX or 3.43 months PITI<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 19.84%, max allowed by G/L is 55% |
| 9362278 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: Borrower has 0x30 mortgage payment history for the last 94 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 6 months PITIA reserves required; verified 11 months PITIA reserves<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned residence for 8 years. |
| 9362289 | XXXXXX | XXXXXX | 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: Verified cash reserves exceed guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is below the maximum allowable<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score exceeds guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history exceeds guidelines |
| 9502790 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Title | Satisfied C A | CRDTIL100 | Potential title issue | No | Potential title issue, two closing CD's in file both signed XXX. First dated XXX showing both mortgages being paid off, second dated XXX showing only XXX for XXX, leaving lien of XXX active to XXX. Please provide final title showing both liens cleared or evidence both liens are being paid off. | 9/17/25 Client provided an uncertified and unexecuted estimated HUD which has no legal authority to clear a title lien issue.9/18/25 Client provided a title suppliment, stating both mortgages will be paid at closing and will not show on final title. | 9/17/25 Exception remains.9/18/25 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession, 15 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves XXX exceeds the DU required amount of XXX or 6 months PITIA. |
| 9196977 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | The loan file did not contain a third party fraud report. | Received fraud report | Satisfied | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 50 months reserves after closing. |
| 9196977 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | The Business Purpose and Occupancy Affidavit as required is missing from the loan file. | Received Business Purpose and Occupancy Affidavit | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 50 months reserves after closing. |
| 9196977 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | The title with 24 months with chain of title was not in the loan file. | Received title | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 50 months reserves after closing. |
| 9196977 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR4789 | Appraisal Deficiency | No | According to the underwriting guidelines, an appraisal review is required for all loans. The review must be a Collateral Desktop Analysis (CDA) from XXX or an independent vendor; or XXX from XXX. In this case, the appraisal review product is missing from the loan file. | Received CDA report supporting the appraised value | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 50 months reserves after closing. |
| 9236153 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 7.86 months reserves after closing . |
| 9236120 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - XXX Comments: CFCFS1739: Positive mortgage payment history- XXX Comments: No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 |
| 9239914 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 38.71 months of cash reserves. |
| 9239960 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | The rental income receipts of payments for XXX and XXX for XXX $XXX. | Rental income not used to qualify | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 29 months reserves after closing.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max LTV is 80% and the subject is 75% |
| 9239960 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | The tax cert with land improvements for the subject was not in the loan file. The reviewer used 1.25% of the appraised value. | Reviewer used 1.25% of the appraised value. Received XXX tax cert however improvements are not included. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 29 months reserves after closing.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max LTV is 80% and the subject is 75% |
| 9239960 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4238 | Business entity does not meet guidelines | No | The operating agreement or CPA preparer letter showing the borrower percentage of ownership for XXX was not in the loan file. | Received annual minutes reporting shares owned supporting 90% ownership. | Satisified | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 29 months reserves after closing.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max LTV is 80% and the subject is 75% |
| 9243472 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | The DSCR calculation was not in the loan file. | Received the DSCR calculation | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 719 FICO exceeds program min allowable of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 83.25 months reserves. |
| 9365865 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 48.23 months of cash reserves. |
| 9388829 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Terms/Guidelines | Waived C B | CRDTER4643 | Borrower does not meet guideline requirements | No | According to the underwriting guidelines First Time Investors must have 12 months housing payment history. In this case, the borrower is a FTI with no 12 month housing payment history. An exception is provided in the loan file but does not indicate it was approved. | Received exception approval. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 28.10 months of cash reserves. |
| 9502129 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require min score of 700. Mid representative fico score is 710.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Guidelines require 3 months reserves (XXX). Total reserves calculated as XXX (10 months). |
| 9243455 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | The Personal Guaranty Document in file is not signed by the borrower. | Received Personal Guaranty | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 61 months reserves<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DSCR above minimum by .15 or higher<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO score above minimum by 20 points or higher |
| 9807869 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | The current policy reflects $XXX which is insufficient. Replacement cost on the appraisal reflects XXX. Email in file states the dec page says guaranteed replacement cost however policy provided did not reflect guaranteed replacement cost coverage. | Received guaranteed replacement cost updated | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 6 months reserves after closing. |
| 9807869 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER4631 | Loan parameters do not meet guidelines | No | The subject was listed for sale as of XXX for $XXX. The subject appraised value is $XXX. borrower LOE they decided to rent the property instead to take advantage of the current strong rental market. New lease and evidence of 1st months rent and security deposit. | (No Data) | Eresi exception and approval in file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 6 months reserves after closing. |
| 9896323 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 773 is 33 points above minimum program requirement of 740.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX/131.92 months PITIA which is > guideline minimum of 9 months PITIA.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrowers have0x30x61 months mortgage payment history exceeding guideline requirement of 1x30x12. |
| 9182101 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | A 12 month housing history for the borrowers primary residence is missing from the loan file. The file includes a letter from the borrower indicating he is residing in XXX (XXX). The file includes an XXX approval dated XXX for no housing history. | The file includes an XXX approval dated XXX for no housing history. | Waived | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 82.76 months of cash reserves. |
| 9182101 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The first payment letter indicate the loan DOES NOT have a prepayment penalty; however, the closing disclosure reflects a prepayment penalty and there are prepayment addendums to the note and deed of trust. | Received updated first pymt letter that reflects the PPP. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 82.76 months of cash reserves. |
| 9182101 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Property Valuations | Appraisal | Waived C B | PRVAAPPR4789 | Appraisal Deficiency | No | The guide indicates all appraisals must be ordered through an XXX(XXX, but if they are not and are AIR compliant they may be reviewed on an exception basis. In this case, page 6 of the appraisal shows "no XXX", but there is no exception approval for this in the file. | Received exception approval | Waived | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 82.76 months of cash reserves. |
| 9243440 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 84 months reserves |
| 9243468 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | The sales contract extension was not in the loan file. The contract expired XXX. | Received sales contract ext. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 47 months reserves after closing. |
| 9243468 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The personal guaranty was not in the loan file. The subject closed in the name of a business. | Received personal guaranty | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 47 months reserves after closing. |
| 9243468 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | The DCSR calculation and XXX lock confirmation was not in the loan file. | Received DCSR calculation and XXX lock confirmation | Satisified | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 47 months reserves after closing. |
| 9356684 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | C | B D A | C | B | Compliance | State Prepayment Penalty | Satisfied C B | CMPSTPP100 | PPP - Prepayment penalty prohibited by state | No | The closing documents show the transaction has a prepayment penalty, which is not acceptable in XXX since the loan is to individuals not an legal entity. | (No Data) | Post closing mortgage provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX or 140.91 months reserves. |
| 9356684 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | C | B D A | C | B | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Documentation to confirm the PITIA and payment history for XXX and payment history for XXX. The REO schedule on the final 1003 shows XX has a mortgage with XXX #XXX and a payment of $XXX. Also, The current address of the borrowers on the final application is XXX which shows no expense but there is no rent free letter. Need confirmation which address is the borrowers' primary residence. | Received an exception request and approval for living rent free. | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX or 140.91 months reserves. |
| 9356684 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | C | B D A | C | B | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Evidence to confirm the warrantability of the subject condo (warrantable or non-warrantable). | Received updated 1008 non warrantable | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX or 140.91 months reserves. |
| 9388861 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | The title commitment shows the insured amount is XXX but the loan amount is XXX | Received updated title. | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 727 credit score |
| 9502138 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | N/A | N/A D B C | N/A | N/A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH189 | Missing credit report | No | Missing Credit report | Received credit report | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 37 months reserves. |
| 9502138 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | N/A | N/A D B C | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | The seller's DSCR calculated ratio/score result was not provided in the file. | Received DCSR calculation | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 37 months reserves. |
| 9502138 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | N/A | N/A D B C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4238 | Business entity does not meet guidelines | No | The articles of organization, tax ID, operating agreement, LLC borrowing certificate (if other members besides borrower) and certificate of good standing for XXX were not in the file. | Received articles of organization, tax ID, and good standing. XXX was formally known as XXX. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 37 months reserves. |
| 9502138 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | N/A | N/A D B C | N/A | N/A | Property Valuations | Appraisal | Waived C B | PRVAAPPR4789 | Appraisal Deficiency | No | The guidelines indicate appraisal must be ordered through an XXX. If they are not, but are AIR compliant, they can be reviewed on an exception basis. Page 6 of the appraisal shows "no XXX", but an exception approval was not in the file. | Received investor waiver for XXX appraisal vendor management XXX and their appraisal ordering process. | Waived | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 37 months reserves. |
| 9613764 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER4435 | Missing Condo/Co-op Certificate/Questionnaire | No | Missing Condo project review | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: 20.7 years |
| 9694017 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Legal Documents | Waived B | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | Loan File is Missing or Contains Insufficient Documentation for Basic Review | (No Data) | The file includes an exception approval dated XXX for the loan amount of XXX | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 70 months reserves |
| 9694017 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | The guidelines indicate under the bank statement program, XXX occurrences are allowed within the last 12 months, XXX occurrence is defined as the account having a negative daily balance for more than 24 hours and to avoid being treated as a XXX there should be no fee associated with resolving an overdraft. In this case, there were 5 XXX (XXX, XXX, XXX, XXX & XXX) occurrences. These did not result in a negative daily balance as the checks were returned but did result in an overdraft charge for each. An LOE was not in the file. | Received lox regarding XXX and negative daily balances. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 70 months reserves |
| 9768894 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4238 | Business entity does not meet guidelines | No | The guaranty agreement was not in the file. | Received guaranty agreement | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 777 credit scores; minimum 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 103 months reserves. |
| 9768914 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: PITIA reserves above minimum by 6 months or higher |
| 9807859 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH148 | Credit report stale dated at closing | No | The UDN dated within 10 days prior to closing was not in the file. The debt monitoring report in file was dated XXX and closing was XXX. | Received updated UDN. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX or 3.65 months reserves. |
| 9807859 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing 12 months business bank statements Acct#XXX & #XXX) for XXX to support income used. | Received 12 month bank stmts | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX or 3.65 months reserves. |
| 9846203 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX or 25.33 months reserves. |
| 9846212 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX or 109.59 months reserves. |
| 9855600 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing third party valuation to support appraised value. | Received CDA report. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX or 7.74 months reserves. |
| 9855600 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | Appraisal | Waived C B | PRVAAPPR4789 | Appraisal Deficiency | No | The appraisal was not ordered through an XXX (page 6 of the appraisal shows "No XXX"). The guide indicates if not ordered through an XXX but is AIR compliant it can be accepted with prior investor approval. An approval was not found in the file. | Received investor waiver | Received investor waiver | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX or 7.74 months reserves. |
| 9895776 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX or 17.51 months reserves. |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2026-NQM2** |
| **Start - End Dates:** | **5/1/2024 - 12/27/2025** |
| **Deal Loan Count:** | **66** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *66* |
| ***Loans with Conditions:*** | *29* |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **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** |
| 9251234 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9896400 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9896339 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9896363 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 9896432 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9896413 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 9896326 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9896446 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9896350 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9896449 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9896419 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9896352 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 9896396 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9896372 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9896345 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | No |
| 9896444 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9896412 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 9896371 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 9896367 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9896331 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9896426 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9896329 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9896376 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9896447 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9896430 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10026549 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 10026553 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 8087243 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 8087307 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9101302 | XXXXXX | XXXXXX C B A | C | A C B | C | A | No |
| 9101304 | XXXXXX | XXXXXX C B A | C | A C B | C | A | Not Applicable |
| 9101308 | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 9101478 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9101320 | XXXXXX | XXXXXX D B A | B | B D A | B | B | Not Applicable |
| 9362275 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9362294 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9362278 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9362289 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9502790 | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 9196977 | XXXXXX | XXXXXX D A C | N/A | N/A D C | N/A | N/A | Yes |
| 9236153 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9236120 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9239914 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9239960 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 9243472 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 9365865 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9388829 | XXXXXX | XXXXXX C B A | N/A | N/A C B | N/A | N/A | No |
| 9502129 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9243455 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 9807869 | XXXXXX | XXXXXX C B A | N/A | N/A C B | N/A | N/A | No |
| 9896323 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9182101 | XXXXXX | XXXXXX C B | A | A C B | A | A | No |
| 9243440 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9243468 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 9356684 | XXXXXX | XXXXXX D B A | C | B D A | C | B | Not Applicable |
| 9388861 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 9502138 | XXXXXX | XXXXXX D B A C | N/A | N/A D B C | N/A | N/A | Not Applicable |
| 9613764 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 9694017 | XXXXXX | XXXXXX C B A | N/A | N/A C B | N/A | N/A | Not Applicable |
| 9768894 | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | No |
| 9768914 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9807859 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9846203 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9846212 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9855600 | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Not Applicable |
| 9895776 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |

---

## Exhibit 99.4

**Exhibit 99.4**

 **Schedule 3 - Loan Level Tape Compare Report**

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

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | MSRM 2026-NQM2 |
| **Start - End Dates:** | 5/1/2024 - 12/27/2025 |
| **Deal Loan Count:** | 66 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 9502790 | XXXXXX | Debt to Income Ratio (Back) | 15.2460 | 44.3593 |
| 9236153 | XXXXXX | Property State | XXXXXX | XXXXXX |
| 9236153 | XXXXXX | Property Type | 2 Family | SFR |
| 9236120 | XXXXXX | Property State | XXXXXX | XXXXXX |
| 9236120 | XXXXXX | Property Type | 2 Family | SFR |
| 9239914 | XXXXXX | Property State | XXXXXX | XXXXXX |
| 9239914 | XXXXXX | Property Type | 2 Family | SFR |
| 9239960 | XXXXXX | Property State | XXXXXX | XXXXXX |
| 9239960 | XXXXXX | Property Type | 2 Family | SFR |
| 9243472 | XXXXXX | Property State | XXXXXX | XXXXXX |
| 9243472 | XXXXXX | Property Type | 2 Family | SFR |
| 9365865 | XXXXXX | Property State | XXXXXX | XXXXXX |
| 9365865 | XXXXXX | Property Type | 2 Family | 3 Family |
| 9502129 | XXXXXX | Property State | XXXXXX | XXXXXX |
| 9502129 | XXXXXX | Property Type | 2 Family | SFR |
| 9243455 | XXXXXX | Property State | XXXXXX | XXXXXX |
| 9243455 | XXXXXX | Property Type | 2 Family | SFR |
| 9243440 | XXXXXX | Debt to Income Ratio (Back) | 11.7200 | 26.6309 |
| 9243468 | XXXXXX | Property Type | 2 Family | 4 Family |
| 9388861 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 9388861 | XXXXXX | Original LTV | 71.43 | 80.00 |
| 9388861 | XXXXXX | Property Type | 2 Family | 4 Family |
| 9694017 | XXXXXX | Debt to Income Ratio (Back) | 31.2300 | 37.8621 |
| 9694017 | XXXXXX | Note Rate | 7.5 | 7.4900 |
| 9694017 | XXXXXX | Original LTV | 57.14 | 64.31 |
| 9768894 | XXXXXX | Documentation Type | DSCR | 12 Month BS |
| 9807859 | XXXXXX | Debt to Income Ratio (Back) | 12.7100 | 21.3166 |
| 9807859 | XXXXXX | Property Type | SFR | Detached PUD |
| 9846203 | XXXXXX | Documentation Type | 12 Month BS | DSCR |
| 9855600 | XXXXXX | Property Type | 2 Family | 4 Family |
| 9895776 | XXXXXX | Debt to Income Ratio (Back) | 49.8100 | 38.2846 |
| 8087243 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 8087243 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9101304 | XXXXXX | DTI Qualifying (Back) | 49.3300 | 38.5100 |
| 9101308 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9101308 | XXXXXX | Months Reserves | 6.00 | 11.20 |
| 9362294 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 9362278 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9362278 | XXXXXX | Months Reserves | 6.00 | 11.01 |
| 9896339 | XXXXXX | Min Number | XXXXXX | XXXXXX |
| 9896339 | XXXXXX | Number of Units | 2 | 4 |
| 9896339 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 9896339 | XXXXXX | Property Type | 2 Family | 4 Family |
| 9896339 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9896363 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9896363 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9896363 | XXXXXX | Months Reserves | 55.00 | 52.80 |
| 9896363 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9896432 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9896432 | XXXXXX | Months Reserves | 1.00 | 0.94 |
| 9896432 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9896413 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9896413 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 9896413 | XXXXXX | Months Reserves | '-1.00 | 2.37 |
| 9896413 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 9896413 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9896326 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9896326 | XXXXXX | Months Reserves | 552.00 | 317.18 |
| 9896326 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 9896326 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9896446 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9896446 | XXXXXX | Combined LTV | 75.41 | 80.00 |
| 9896446 | XXXXXX | Months Reserves | 54.00 | 53.66 |
| 9896446 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9896350 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9896449 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 9896419 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9896419 | XXXXXX | Combined LTV | 69.78 | 75.00 |
| 9896419 | XXXXXX | Months Reserves | 60.00 | 59.94 |
| 9896419 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9896352 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9896352 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 9896352 | XXXXXX | Months Reserves | 32.00 | 32.43 |
| 9896396 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9896396 | XXXXXX | Months Reserves | 93.00 | 93.42 |
| 9896396 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9896372 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 9896372 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 9896372 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9896345 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9896345 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 9896345 | XXXXXX | Months Reserves | 6.00 | 2.93 |
| 9896345 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9896444 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9896412 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9896412 | XXXXXX | Months Reserves | 174.00 | 76.83 |
| 9896412 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9896371 | XXXXXX | Borrower DSCR Percent | 0.9349 | 1.8184 |
| 9896371 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9896371 | XXXXXX | Months Reserves | 53.00 | 89.91 |
| 9896371 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 9896367 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9896367 | XXXXXX | Months Reserves | 26.00 | 10.30 |
| 9896367 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9896426 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 9896426 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9896329 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9896329 | XXXXXX | Combined LTV | 76.52 | 80.00 |
| 9896329 | XXXXXX | Months Reserves | 77.00 | 17.26 |
| 9896329 | XXXXXX | Property Type | SFR | SFR-Attached |
| 9896329 | XXXXXX | Representative Credit Score for Grading | 782 | 802 |
| 9896329 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9896376 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9896376 | XXXXXX | Months Reserves | 151.00 | 231.18 |
| 9896376 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 9896376 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9896447 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 9896447 | XXXXXX | Representative Credit Score for Grading | 802 | 807 |
| 9896447 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9896430 | XXXXXX | Borrower 1 Total Income | 17278.30 | 18514.88 |
| 9896430 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9896430 | XXXXXX | Combined LTV | 56.22 | 68.29 |
| 9896430 | XXXXXX | Debt to Income Ratio (Back) | 47.2850 | 31.5209 |
| 9896430 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9896430 | XXXXXX | Months Reserves | 61.00 | 1.08 |
| 9896430 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9896430 | XXXXXX | Total Monthly Income | 17278.30 | 18514.88 |
| 10026549 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 10026549 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10026553 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10026553 | XXXXXX | Months Reserves | 3.00 | 13.86 |

---

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## Exhibit 99.4

**Exhibit 99.4**

 **Schedule 4 - Rating Agency ATR QM Report**

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

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2026-NQM2** |
| **Start - End Dates:** | **5/1/2024 - 12/27/2025** |
| **Deal Loan Count:** | **66** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *66* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **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** |
| 9251234 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8824.7 | XXXXXX | 7.6178 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9896400 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9896339 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9896363 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9896432 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9896413 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9896326 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9896446 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9896350 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9896449 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.3749 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9896419 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9896352 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9896396 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9896372 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9896345 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9896444 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9896412 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9896371 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9896367 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9896331 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9896426 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.2499 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9896329 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9896376 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9896447 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9896430 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9095 | XXXXXX | 6.7981 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10026549 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10026553 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9375 | XXXXXX | 6.645 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 8087243 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 8087307 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9101302 | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | No | Yes | 10778.38 | XXXXXX | 8.9339 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9101304 | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | No | Yes | 8557.75 | XXXXXX | 8.2351 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9101308 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 20589 | XXXXXX | 8.0004 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9101478 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9101320 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8981.5 | XXXXXX | 7.4897 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9362275 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9615.85 | XXXXXX | 9.5213 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 9851.5 |
| 9362294 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9650.25 | XXXXXX | 7.6197 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 19991 |
| 9362278 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 17404 | XXXXXX | 10.0322 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9362289 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 26044 | XXXXXX | 9.2487 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9502790 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.249 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9196977 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9236153 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.4489 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9236120 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.6263 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9239914 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9239960 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.99 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9243472 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5615 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9365865 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9388829 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9502129 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.49 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9243455 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9807869 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.99 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9896323 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9182101 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.6624 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9243440 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.0591 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9243468 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9356684 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9388861 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9502138 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9613764 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9694017 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.49 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9768894 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.99 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9768914 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9807859 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6095 | XXXXXX | 6.4894 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9846203 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9846212 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9855600 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9895776 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |

---

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## Exhibit 99.4

**Exhibit 99.4**

 **Schedule 5 - Valuation Summary Report**

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

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | MSRM 2026-NQM2 |
| **Start - End Dates:** | 5/1/2024 - 12/27/2025 |
| **Deal Loan Count:** | 66 |
| **Valuations Summary** |  |
| *Loans In Report:* | *66* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | **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** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| | | | | | **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** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **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** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 9251234 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | 2.6 |
| 9896400 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 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% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9896339 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | 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% | (No Data) |
| 9896363 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 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% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 9896432 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 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% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9896413 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | (No Data) |
| 9896326 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 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% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9896446 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 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% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 9896350 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 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% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 9896449 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | $0.00 | 0.00% | 2.1 |
| 9896419 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | 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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9896352 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | $0.00 | 0.00% | 3.2 |
| 9896396 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | $0.00 | 0.00% |  |  |  | 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 | 0.00% | (No Data) |
| 9896372 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | $0.00 | 0.00% |  |  |  | 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 | 0.00% | 4.2 |
| 9896345 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | $0.00 | 0.00% | (No Data) |
| 9896444 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | (No Data) |
| 9896412 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | (No Data) |
| 9896371 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 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% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 9896367 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | $0.00 | 0.00% | 1.3 |
| 9896331 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 9896426 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | (No Data) |
| 9896329 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | 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% | 1.8 |
| 9896376 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | $0.00 | 0.00% | (No Data) |
| 9896447 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | 1 |
| 9896430 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 | $0.00 | 0.00% | 1 |
| 10026549 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | 5 |
| 10026553 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | (No Data) |
| 8087243 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 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% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 8087307 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | (No Data) |
| 9101302 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 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% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 9101304 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 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% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9101308 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | 5 |
| 9101478 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 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% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9101320 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 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% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9362275 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | 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% | 1 |
| 9362294 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | 2.9 |
| 9362278 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | 1 |
| 9362289 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | 4.2 |
| 9502790 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 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% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 9196977 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | (No Data) |
| 9236153 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | (No Data) |
| 9236120 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | (No Data) |
| 9239914 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | (No Data) |
| 9239960 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | (No Data) |
| 9243472 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | 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% | (No Data) |
| 9365865 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | (No Data) |
| 9388829 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | (No Data) |
| 9502129 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | (No Data) |
| 9243455 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | (No Data) |
| 9807869 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | (No Data) |
| 9896323 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | 4.3 |
| 9182101 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 9243440 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 9243468 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | (No Data) |
| 9356684 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 9388861 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | (No Data) |
| 9502138 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 9613764 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Hybrid (Apr 22) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 9694017 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | (No Data) |
| 9768894 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 9768914 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 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% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9807859 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 9846203 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 9846212 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 9855600 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | 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 | 0.00% | (No Data) |
| 9895776 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* |

---

## Exhibit 99.4

**Exhibit 99.4**

 **Schedule 6 - Waived Conditions Report**

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** | | |  |  |
| **Client Project Name:** | **MSRM 2026-NQM2** | **MSRM 2026-NQM2** |  |  |
| **Start - End Dates:** | **5/1/2024 - 12/27/2025** | **5/1/2024 - 12/27/2025** |  |  |
| **Deal Loan Count:** | **66** | **66** |  |  |
| **Waived Conditions Summary** | **Waived Conditions Summary** | **Waived Conditions Summary** | **Waived Conditions Summary** | **Waived Conditions Summary** |
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Legal Documents | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | 1 |
| Credit | Terms/Guidelines | CRDTER4631 | Loan parameters do not meet guidelines | 1 |
| Credit | Terms/Guidelines | CRDTER4643 | Borrower does not meet guideline requirements | 1 |
| Credit | Credit/Mtg History | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | 1 |
| Property Valuations | Appraisal | PRVAAPPR4789 | Appraisal Deficiency | 3 |
| **Total** |  |  |  | **7** |
| <br>©2026 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>©2026 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>©2026 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>©2026 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>©2026 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

**Exhibit 99.5**

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

**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 279 newly originated residential mortgage loans, in connection with the securitization identified as MSRM 2026-NQM2 (the "Securitization"). The Review was conducted from February 2025 through January 2026 on mortgage loans originated between February 2025 through December 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:

○ Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan;

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verification
 of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification
 in compliance with one of the "safe harbor" guidelines will meet the QM verification
 requirement. A creditor is allowed to "mix and match" provisions of the different
 guidelines rather than only apply one guideline per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the verification requirement. These specified manuals are:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections
 II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing
 Policy Handbook, issued October 24, 2019;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter
 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct
 Single Family Housing Program, revised March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Chapters
 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family
 Guaranteed Loan Program, revised March 19, 2020.

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to 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 (279 loans in total):

Four (4) loans had a Secondary Appraisal, forty (40) loans had an AVM, and one hundred sixty-seven (167) loans had Desktop Reviews. In eight (8) instances, loans had both an AVM 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 two (2) occurrences of this.

Zero (0) loans had a Second Desk Review, and zero (0) loans had a Full Appraisal Review.

**Product totals may not sum due to multiple products for each loan**

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the two hundred seventy-nine (279) mortgage loans reviewed, one hundred twenty-one (121) unique mortgage loans (43.37% by loan count) had a total of three hundred sixty-five (365) discrepancies across forty-seven (47) 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;Qualifying All Borrower Residual Income | &nbsp;&nbsp;60 | &nbsp;&nbsp;16.44% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;44 | &nbsp;&nbsp;12.05% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;29 | &nbsp;&nbsp;7.95% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;28 | &nbsp;&nbsp;7.67% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;19 | &nbsp;&nbsp;5.21% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;18 | &nbsp;&nbsp;4.93% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;18 | &nbsp;&nbsp;4.93% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;10 | &nbsp;&nbsp;2.74% |
| &nbsp;&nbsp;T & I Payment | &nbsp;&nbsp;9 | &nbsp;&nbsp;2.47% |
| &nbsp;&nbsp;PITIA | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.19% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.92% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.92% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.92% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.64% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.64% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.64% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.64% |
| &nbsp;&nbsp;Total Qualified Assets Available | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.64% |
| &nbsp;&nbsp;Qualifying Total Monthly Liabilities | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.37% |
| &nbsp;&nbsp;Mo Pymt (P&I) | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.37% |
| &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.37% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.10% |
| &nbsp;&nbsp;Total Liquid Assets Available For Close | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.10% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.10% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.82% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.82% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.82% |
| &nbsp;&nbsp;Escrows | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.82% |
| &nbsp;&nbsp;Credit QM/ATR Designation | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.82% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.82% |
| &nbsp;&nbsp;Co Borrower Last Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.82% |
| &nbsp;&nbsp;Co Borrower First Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.82% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;First Pymt Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;P&I | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.27% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.27% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.27% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.27% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.27% |
| &nbsp;&nbsp;Qualifying Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.27% |
| &nbsp;&nbsp;Prepymt - May/Will Not Penalty | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.27% |
| &nbsp;&nbsp;Monthly Taxes | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.27% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.27% |
| &nbsp;&nbsp;Loan Product Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.27% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**365** | &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 | 262 | $97175144.00 | 93.91% |
| Event Grade B | 17 | $10339213.00 | 6.09% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 279 | $107514357.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 269 | 96.42% |
| Event Grade B | 10 | 3.58% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 279 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results: (As applicable, 189 loans within the population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 189 loans within the population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 189 loans within the population did not receive a Compliance Review)** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 85 | 94.44% |
| Event Grade B | 5 | 5.56% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 90 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 277 | 99.28% |
| Event Grade B | 2 | 0.72% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 279 | 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;130 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Documentation Missing or Defective | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Insufficient Assets to Close | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Non-Arms Length Transaction | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Closing Documentation Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Credit Report Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;3 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Entity Documentation - Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Borrower 2 Gap Credit Report is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Security Instrument Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Assets do not meet guideline requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Note Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Evidence of Primary Residence and Rent-Free Scenario Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Purchase is not considered to be an Arm's Length Transaction | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Note is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;All Interested Parties Not Checked with Exclusionary Lists | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Second Home Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Loan Application Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Deed of Trust is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Income - Bank Statements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Fraud alert is present on the credit report | &nbsp;&nbsp;1 |

---

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;Mortgage Payment History Missing or Defective | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Business Purpose Affidavit/Disclosure Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Sales Contract Missing or Defective | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;ATR: Qualifying Payment Not Properly Considered | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;ATR: Reasonable Income or Assets Not Considered | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Flood Certificate Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Background Check Missing or Defective | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;The Initial 1003 is Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;NQM Funding - B1 Gap Credit Report expired outside 30-days prior to consummation | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;NQM Funding - B2 Gap Credit Report expired outside 30-days prior to consummation | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;OFAC Check Not Completed and/or Cleared | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**244** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Income 2 Income Trend is Decreasing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Purchase is not considered to be an Arm's Length Transaction | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Borrower 2 Gap Credit Report is Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Occupancy Not Allowed | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Credit Event – Requirement Not Met | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Significant Derogatory Credit Event – Requirement Not Met | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**15** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;MD COMAR Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Revised Loan Estimate Delivery Date Test (prior to consummation) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;The Note is Not Executed | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;CT Nonprime Home Loan Test | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;TRID: Missing Loan Estimate | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Regulation § 1026.43(c)(2)(v) failure - The consumer's monthly payment for mortgage-related obligations not properly considered | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Initial Loan Estimate Delivery Date Test (from application) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**110** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Late Charge Grace Period is less than 10 days | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**5** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;83 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;68 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Completion Report or 1004D - Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;The appraiser was not licensed (Primary Value) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Ineligible Property | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;HOA Questionnaire is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**165** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;1 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;**2** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.5

**Exhibit 99.5**

 **Schedule 1 - Due Diligence Standard Report**

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

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **ALT Loan ID** | **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 Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| XXXXX | 2509175667 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/03/2025 | Resolved | XXXXXXXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | 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 | 2510176411 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/07/2025 | Resolved | XXXXXXXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | 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 | 2510176259 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/10/2025 | Resolved | XXXXXXXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | 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 | 2510176079 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/12/2025 | Resolved | 18376509381 | Credit | Excessive LTV Ratio | XXX% LTV > XXX% LTV Limit for a Vacant Cash-Out Refinance | XX/XX/XXXX: Received lease agreement, receipt of Aug and Sept rent, and LOE to support the vacancy. | 12/09/2025 | XX/XX/XXXX: Received lease agreement, receipt of Aug and Sept rent, and LOE to support the vacancy. | 12/09/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2511179965 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/02/2025 | Resolved | 10686714342 | Credit | Asset Documentation Missing or Defective | Missing Operating Agreement for entity: XXX to prove access to funds for XXX acct #XXX | XX/XX/XXXX: Uploaded Online Entity Info and form XXX showing borrower is XXX% owner | 12/11/2025 | XX/XX/XXXX: Received proof that borrower is sole owner | 12/11/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2511180131 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/02/2025 | Resolved | XXXXXXXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | 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 | 2510178087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/02/2025 | Resolved | XXXXXXXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | 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 | 2510178316 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/02/2025 | Resolved | XXXXXXXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | 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 | 2510179849 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/02/2025 | Resolved | XXXXXXXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | 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 | 2510178996 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/02/2025 | Resolved | XXXXXXXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | 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 | 2508170399 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/02/2025 | Resolved | 10686996049 | Credit | Asset Documentation Missing or Defective | Missing XXX% access letter from XXX, giving XXX full access to the funds in the joint XXX acct #XXX and XXX | XX/XX/XXXX: Access letter | 12/10/2025 | XX/XX/XXXX: Received access letter | 12/10/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2510178348 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/02/2025 | Resolved | XXXXXXXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | 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 | 2510176106 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/02/2025 | Resolved | XXXXXXXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | 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 | 2510179806 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/02/2025 | Acknowledged | 10687723210 | Credit | Excessive LTV Ratio | XXX% LTV >XXX% Max LTV for Cash-out Refinance at XXX FICO | XX/XX/XXXX: Exception Approval in file | 12/02/2025 | XX/XX/XXXX: Exception Approval in file | 12/02/2025 | FICO XXX Experienced Investor, XXX mortgage history B A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 2511180371 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/02/2025 | Resolved | XXXXXXXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | 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 | 2510179503 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/04/2025 | Resolved | 10708847112 | Credit | Asset Documentation Missing or Defective | Missing proof that the borrowers have access to XXX and Trust accounts #XXX and #XXX, under XXX. Please provide Operating Agreement or LOE | XX/XX/XXXX: Received Operating Agreement | 12/09/2025 | XX/XX/XXXX: Received Operating Agreement for XXX | 12/09/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2511180062 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/04/2025 | Resolved | 10708915542 | Credit | Deed Missing or Defective | Conveyance Deed in file is unexecuted. Please provide an updated Conveyance Deed with signature. | XX/XX/XXXX: Deed | 12/05/2025 | XX/XX/XXXX: Received Deed | 12/05/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2510177824 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/05/2025 | Resolved | XXXXXXXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | 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 | 2511179916 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/05/2025 | Resolved | XXXXXXXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | 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 | 2508172209 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/08/2025 | Resolved | XXXXXXXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | 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 | 2511180110 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/08/2025 | Resolved | 10729135375 | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | XX/XX/XXXX: Received Conveyance Deed | 12/09/2025 | XX/XX/XXXX: Received Conveyance Deed | 12/09/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2510176489 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/08/2025 | Resolved | XXXXXXXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | 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 | 2510178244 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/08/2025 | Resolved | XXXXXXXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | 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 | 2510179087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/08/2025 | Resolved | XXXXXXXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | 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 | 2511181167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/09/2025 | Resolved | XXXXXXXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | 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 | 2511180335 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/09/2025 | Resolved | XXXXXXXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | 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 | 2511180518 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/09/2025 | Resolved | XXXXXXXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | 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 | 2511181190 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/11/2025 | Resolved | XXXXXXXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | 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 | 2511181105 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/11/2025 | Resolved | XXXXXXXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | 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 | 2511181338 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/11/2025 | Resolved | XXXXXXXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | 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 | 2506162245 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 08/01/2025 | Resolved | XXXXXXXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 2509175729 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/20/2025 | Resolved | 18228672118 | Credit | Note Missing or Defective | Missing Note and Prepayment Penalty Addendum | XX/XX/XXXX: Note and PPP | 10/28/2025 | XX/XX/XXXX: Received Note and PPP | 10/28/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2509173145 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/20/2025 | Resolved | XXXXXXXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | 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 | 2509175785 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/29/2025 | Resolved | 18299124677 | Credit | Title Insurance Missing or Defective | Provided title preliminary report is missing lender's name, coverage amount and mortgagee clause. Please provide title supplement or updated title report. | XX/XX/XXXX: Title | 11/19/2025 | XX/XX/XXXX: Received Title | 11/19/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300192713 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/16/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92300193010 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/26/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92400191786 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/01/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92010191532 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/02/2025 | Resolved | 18098701472 | Credit | Security Instrument Missing or Defective | Missing executed Security Instrument (Mortgage/Deed of Trust) | XX/XX/XXXX: Deed of Trust | 10/06/2025 | XX/XX/XXXX: Received Deed of Trust | 10/06/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010191532 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/02/2025 | Resolved | 18098704663 | Credit | Insufficient Assets to Close | XXX Assets < XXX minimum assets required for closing costs and reserves. Please provide additional assets. | XX/XX/XXXX: Additional assets | 10/06/2025 | XX/XX/XXXX: Received assets | 10/06/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010191532 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/02/2025 | Resolved | 18098779003 | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance Policy number for the Subject Property: XXX | XX/XX/XXXX: Updated Insurance | 10/17/2025 | XX/XX/XXXX: Received policy number | 10/17/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92400191489 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/02/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92300192412 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/09/2025 | Resolved | 18154116274 | Credit | Title Insurance Missing or Defective | Title to provide a Final Commitment or Supplement confirming no items from Schedule B #XXX and #XXX belong to the borrower. | XX/XX/XXXX: Title uploaded | 10/14/2025 | XX/XX/XXXX: Received Title | 10/14/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300192412 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/09/2025 | Resolved | 18160150831 | Property | Ineligible Property | Appraisal reflects basement unit as "Not ready for occupancy." Please provide proof that basement unit has been renovated and is in lease-ready condition. Appraiser noted plans for renovations to the basement level. Appraiser States" the subject is in average condition, During our visit to the building, we noticed no significant items of deferred maintenance. The building currently has one open DOB violation, four open OATH violations, fiver open Class A HPD violations, and one open class B HPD violation. | XX/XX/XXXX: Updated appraisal | 10/17/2025 | XX/XX/XXXX: Received appraisal | 10/17/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010190058 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/10/2025 | Resolved | 18162504847 | Credit | Sales Contract Missing or Defective | Missing Sales Contract Subject Property: XX/XX/XXXX XXX | XX/XX/XXXX: Contract uploaded | 10/14/2025 | XX/XX/XXXX: Received contract | 10/14/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010189364 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/15/2025 | Resolved | 18195937266 | Credit | Subject Property Lease - Missing or Defective | Missing Lease Agreement for XXX residing in Unit XXX at Subject Property: XXX | XX/XX/XXXX: Lease uploaded | 10/23/2025 | XX/XX/XXXX: Received Lease | 10/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010192517 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/16/2025 | Resolved | 18204629836 | Credit | Evidence of Primary Residence and Rent-Free Scenario Missing or Defective | Missing Evidence of Primary Residence | XX/XX/XXXX: Evidence of primary residence | 10/17/2025 | XX/XX/XXXX: Received Evidence of primary residence | 10/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010192517 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/16/2025 | Resolved | 18204957535 | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | XX/XX/XXXX: Deed uploaded | 10/17/2025 | XX/XX/XXXX: Received Deed | 10/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92400193627 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/24/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92400194720 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/28/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92300196042 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/29/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92300195918 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/29/2025 | Resolved | 18303423302 | Credit | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Title | 11/04/2025 | XX/XX/XXXX: Received Title | 11/04/2025 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300196039 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/29/2025 | Resolved | 18303986366 | Property | Appraisal Missing or Defective | Subject property has XXX units, while Appraisal reflects property as having two units. Please provide updated Appraisal | XX/XX/XXXX: Appraisal uploaded | 11/07/2025 | XX/XX/XXXX: Received Appraisal | 11/07/2025 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300196039 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/29/2025 | Resolved | 18303990654 | Property | Appraisal Review - Missing | Missing Appraisal Review for subject property: XXX | XX/XX/XXXX: Appraisal Review | 11/03/2025 | XX/XX/XXXX: Received CDA | 11/03/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92400195769 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/04/2025 | Resolved | 18344192010 | Credit | Mortgage Payment History Missing or Defective | VOM or proof of free and clear ownership for Primary Residence: XXX | XX/XX/XXXX: Payment History | 11/12/2025 | XX/XX/XXXX: Received Payment History | 11/12/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92400196481 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/04/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92300192417 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/05/2025 | Resolved | 18360492286 | Credit | Entity Documentation - Missing or Defective | Missing Operating Agreement for XXX. | XX/XX/XXXX: OA uploaded | 11/14/2025 | XX/XX/XXXX: Received OA | 11/14/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300192417 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/05/2025 | Resolved | 18360494759 | Credit | Entity Documentation - Missing or Defective | Per guides, LLCs owned by LLCs must be reviewed on a case-by-case basis. Borrowing entity XXX is owned by XXX. XXX is also owned by XXX | XX/XX/XXXX: Overlay | 12/01/2025 | XX/XX/XXXX: Overlay received | 12/01/2025 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300192417 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/05/2025 | Resolved | 18360495304 | Credit | Loan Application Missing or Defective | Missing executed Loan Application | XX/XX/XXXX: Loan Application uploaded | 11/14/2025 | XX/XX/XXXX: Received Loan Application | 11/14/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300192417 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/05/2025 | Resolved | 18360496734 | Credit | Evidence of Primary Residence and Rent-Free Scenario Missing or Defective | Missing verification of primary residence | XX/XX/XXXX: VOM | 11/14/2025 | XX/XX/XXXX: Received documentation | 11/14/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300192417 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/05/2025 | Resolved | 18360497854 | Credit | Title Insurance Coverage - Inadequate Coverage | Title Coverage of XXX < XXX minimum coverage required | XX/XX/XXXX: Title | 11/14/2025 | XX/XX/XXXX: Received Title | 11/14/2025 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300192417 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/05/2025 | Resolved | 18360498189 | Credit | Subject Property Lease - Missing or Defective | Lease Agreement in file is expired, please provide updated lease agreement | XX/XX/XXXX: Lease | 11/14/2025 | XX/XX/XXXX: Received Lease | 11/14/2025 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300196772 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/06/2025 | Resolved | 18366341252 | Credit | Title Insurance Missing or Defective | Title Insurance MISSING MORTGAGEe clause after lender's name. Please provide updated Title policy with ISAOA/ATIMA verbiage | XX/XX/XXXX: Title | 11/12/2025 | XX/XX/XXXX: Received Title | 11/12/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92400191992 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/06/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92400191993 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/07/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92300196666 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/10/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92400194838 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/10/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92300196670 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/10/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92400194101 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/10/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92010190595 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/11/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92010193754 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/11/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92010194380 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/11/2025 | Resolved | 18375013480 | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | XX/XX/XXXX: Deed | 11/14/2025 | XX/XX/XXXX: Received Deed | 11/14/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010195507 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/11/2025 | Resolved | 18375039458 | Credit | Title Insurance Missing or Defective | Missing Title Insurance | XX/XX/XXXX: Title | 11/14/2025 | XX/XX/XXXX: Received Title | 11/14/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010193085 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/11/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92400192533 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/11/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92010194244 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/11/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92010195176 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/11/2025 | Resolved | 18375131295 | Credit | Closing Documentation Missing or Defective | Missing Borrowers signature on the Note, Prepayment, Mortgage, Cert of Business Purpose, | XX/XX/XXXX: Signed closing documents | 11/14/2025 | XX/XX/XXXX: Received closing document | 11/14/2025 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010195176 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/11/2025 | Resolved | 18375132155 | Credit | Deed Missing or Defective | Missing Deed from XXX to XXX | XX/XX/XXXX: Deed | 11/14/2025 | XX/XX/XXXX: Received Deed | 11/14/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92400192537 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/12/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92400194695 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/12/2025 | Resolved | 18376897226 | Credit | Subject Property Lease - Missing or Defective | Missing one Lease agreement for subject property: XXX | XX/XX/XXXX: XX/XX/XXXX Last lease uploaded | 11/21/2025 | XX/XX/XXXX: Lease received | 11/24/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010195251 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/13/2025 | Resolved | 18378169221 | Credit | Entity Documentation - Missing or Defective | Missing all Entity Documents for XXX | XX/XX/XXXX: Entity documents | 11/14/2025 | XX/XX/XXXX: Received entity documents | 11/14/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010194760 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/13/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92300196645 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/13/2025 | Resolved | 18378249110 | Credit | Deed Missing or Defective | Missing Conveyence Deed from XXX at XXX to XXX | XX/XX/XXXX: Deed uploaded | 11/17/2025 | XX/XX/XXXX: Deed uploaded | 11/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300196869 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/14/2025 | Resolved | 18378228499 | Credit | Background Check Missing or Defective | Missing Background report for: XXX | XX/XX/XXXX: Fraud | 11/19/2025 | XX/XX/XXXX: Received Fraud | 11/19/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300196869 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/14/2025 | Resolved | 18378250665 | Property | Hazard Insurance Missing or Defective | Hazard Insurance is MISSING MORTGAGEe clause after lender's name. Please provide updated policy with ISAOA/ATIMA verbiage | XX/XX/XXXX: Hazard | 11/19/2025 | XX/XX/XXXX: Received Hazard | 11/19/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010194666 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/14/2025 | Resolved | 18379674342 | Credit | Closing Documentation Missing or Defective | Provided Closing Documents including Note, Security Instrument, Personal Guaranty and riders are unexecuted. Please provide signed Closing Documents | XX/XX/XXXX: signed documents | 11/17/2025 | XX/XX/XXXX: Signed documents received | 11/18/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010195685 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/14/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92300196763 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/14/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92300196669 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/17/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92300196101 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/17/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92010195581 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/17/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92010195859 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/17/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92010195549 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/18/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92400195849 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/19/2025 | Resolved | 18385089412 | Property | Appraisal Missing or Defective | Multiple Appraisals in file with same date and appraiser however have different HOA amounts. Please clarify what appraisal to use for review | XX/XX/XXXX: Clarification on which appraisal to use | 11/24/2025 | XX/XX/XXXX: Received clarification on which appraisal to use | 11/24/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92400196362 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/19/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92300196823 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/19/2025 | Resolved | 18385314793 | Credit | Title Insurance Missing or Defective | Lender on Title Commitment does not match Lender on Note, please provide updated Title. | XX/XX/XXXX: Title | 11/21/2025 | XX/XX/XXXX: Received Title | 11/21/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010195735 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/19/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92010194991 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/20/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92010194909 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/21/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92010195650 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/24/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92010194277 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/24/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92010195326 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/24/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92010196563 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/25/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92300196205 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/25/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92400197014 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/25/2025 | Resolved | 10638354054 | Property | Hazard Insurance Missing or Defective | Missing Rent Loss Coverage | XX/XX/XXXX: Rent Loss | 12/01/2025 | XX/XX/XXXX: Rent Loss coverage received | 12/02/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92400195540 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/25/2025 | Resolved | 10638173463 | Credit | Note Missing or Defective | Prepayment Addendum document missing | XX/XX/XXXX: Prepayment | 12/01/2025 | XX/XX/XXXX: Received Prepayment | 12/01/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010194374 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/25/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92010196407 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/25/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92300196649 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/25/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92300196793 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/26/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92010189736 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/03/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92010196322 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/03/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92010195244 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/04/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92010196450 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/04/2025 | Resolved | 10708575681 | Property | Hazard Insurance Missing or Defective | Missing rental loss coverage | XX/XX/XXXX: Loss of use | 12/08/2025 | XX/XX/XXXX: Rent loss coverage received | 12/08/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010196476 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/05/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92300195999 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/08/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92010196104 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/09/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 92300192710 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/16/2025 | Resolved | XXXXXXXXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | 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 | 40010358 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/15/2025 | Resolved | XXXXXXXX-3021 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XX/XX/XXXX: Uploaded | 05/21/2025 | XX/XX/XXXX: Received | 05/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40010382 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/16/2025 | Resolved | XXXXXXXX-3114 | Property | Hazard Insurance Missing or Defective | Max Deductible exceeds that of XXX% of the loan amoutn per guides | XX/XX/XXXX: Strong credit; strong repay history on XXX loans to date; favorable equity position at XXX% LTV. | 7/16/2025 | XX/XX/XXXX: Waived | 07/16/2025 | C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 40012117 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 08/15/2025 | Resolved | XXXXXXXX-3245 | Credit | Insufficient Assets to Close | Insufficient Liquidity \| Verified assets of XXX are less than minimum required of $XXX. Borrower short - XXX | XX/XX/XXXX: Uploaded | 8/27/2025 | XX/XX/XXXX: Received | 08/27/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012117 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 08/15/2025 | Resolved | XXXXXXXX-3246 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 8/27/2025 | XX/XX/XXXX: Uploaded | 08/27/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012434 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3254 | Credit | Insufficient Assets to Close | Missing Assest Documents - Insufficient Liquidity \| Expired assets of XXX are less than minimum required of XXX | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012241 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3257 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/15/2025 | XX/XX/XXXX: Received | 09/15/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012108 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3258 | Credit | Subject Property Lease - Missing or Defective | Missing Lease Agreement for Unit XXX property located at: XXX | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012108 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3259 | Credit | Subject Property Lease - Missing or Defective | Missing Lease Agreement for Unit XXX property located at: XXX | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012108 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3260 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012108 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3261 | Credit | Asset Documentation Missing or Defective | Missing Assets Document | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40011213 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3262 | Credit | Asset Documentation Missing or Defective | Missing Assets Document | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012264 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3263 | Credit | Asset Documentation Missing or Defective | Missing Assets Document | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012264 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3264 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40011937 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3265 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D B A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 40011213 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3266 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40011937 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3267 | Credit | Title Insurance Missing or Defective | Tax tape amount is not matched with the tax bill | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D B A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 40012077 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3268 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012265 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3269 | Credit | Asset Documentation Missing or Defective | Missing Assets Document | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012265 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3270 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012400 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3271 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX Unit XXX | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3272 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3273 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3274 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3275 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012521 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3276 | Credit | Insufficient Assets to Close | Insufficient Liquidity \| Verified assets of XXX are less than minimum required of $XXX. Borrower short - XXX | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012396 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3277 | Credit | Subject Property Lease - Missing or Defective | Unable to open Lease Agreement for property located at: XXX Unit XXX | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012414 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3278 | Credit | Subject Property Lease - Missing or Defective | Unable to open Lease Agreement for property located at: XXX Unit XXX | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012324 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3279 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012395 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3280 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012396 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3281 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX Unit XXX | XX/XX/XXXX: Uploaded | 9/16/2025 | XX/XX/XXXX: Received | 09/16/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012414 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3283 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX Unit XXX | XX/XX/XXXX: Uploaded | 9/16/2025 | XX/XX/XXXX: Received | 09/16/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012480 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3284 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012521 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3285 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012004 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3286 | Credit | Closing Documentation Missing or Defective | Missing entire loan package | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012264 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3287 | Credit | Subject Property Lease - Missing or Defective | Missing Updated Lease Agreement | XX/XX/XXXX: Uploaded | 9/11/2025 | XX/XX/XXXX: Received | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40011937 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3288 | Credit | Excessive LTV Ratio | LTV of XXX% > XXX% maximum XXX% rduction due to MSA List | XX/XX/XXXX:Borrower has a great track record with us and the market has outstanding projections. | 9/11/2025 | XX/XX/XXXX: Waived | 09/12/2025 | D B C A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 40012004 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3289 | Credit | Non-Arms Length Transaction | Financing Partner Buyout not is considered ineligible per gudelines | XX/XX/XXXX: Clear | 9/11/2025 | XX/XX/XXXX: Clear | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012396 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3290 | Credit | Non-Arms Length Transaction | Financing Partner Buyout not is considered ineligible per gudelines | XX/XX/XXXX: Clear | 9/11/2025 | XX/XX/XXXX: Clear | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012400 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3291 | Credit | Non-Arms Length Transaction | Financing Partner Buyout not is considered ineligible per gudelines | XX/XX/XXXX: Clear | 9/11/2025 | XX/XX/XXXX: Clear | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012414 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3292 | Credit | Non-Arms Length Transaction | Financing Partner Buyout not is considered ineligible per gudelines | XX/XX/XXXX: Clear | 9/11/2025 | XX/XX/XXXX: Clear | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012577 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3293 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40010843 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3294 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012371 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3295 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012372 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3296 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40011182 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3297 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012333 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3298 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012347 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/02/2025 | Resolved | XXXXXXXX-3299 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012373 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3300 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012370 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3301 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012370 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3303 | Property | Completion Report or 1004D - Missing | Missing 1004D for the subject property XXX | XX/XX/XXXX: Uploaded | 10/29/2025 | XX/XX/XXXX: Received 1004D XX/XX/XXXX: We cannot waive a 1004D | 10/30/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012158 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3304 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located:XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012289 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3305 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located:XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012753 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3306 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012806 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3307 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012563 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3308 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012004 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3309 | Credit | Title Insurance Missing or Defective | Title Insurance to reflected vested from XXX to XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received XX/XX/XXXX: Not reflecting in folder | 09/24/2025 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012452 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3310 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012449 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3311 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012449 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3312 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012449 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3313 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012449 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3314 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012449 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3315 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012449 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3316 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012449 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3317 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012453 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3318 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX, #XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012472 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3319 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012555 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3320 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012374 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3321 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012376 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3322 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012379 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3323 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located:XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012394 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3324 | Credit | Insufficient Assets to Close | Missing Assest Documents - Insufficient Liquidity \| Expired assets of XXX are less than minimum required of $ XXX | XX/XX/XXXX: Clear | 9/11/2025 | XX/XX/XXXX: Clear | 09/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012378 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3325 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012394 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3326 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012650 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3327 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/30/2025 | XX/XX/XXXX: XXX uploaded | 09/30/2025 | D B A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 40012809 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3328 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 9/30/2025 | XX/XX/XXXX: XXX uploaded | 09/30/2025 | D B A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 40012267 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXXXXXXX-3329 | Credit | Asset Documentation Missing or Defective | Assets provided expired beyond XXX days | XX/XX/XXXX: Uploaded | 10/1/2025 | XX/XX/XXXX: Received | 10/02/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012650 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/15/2025 | Resolved | XXXXXXXX-3330 | Credit | Credit Event – Requirement Not Met | Borrower does not meet minimum tradeline requirements. | XX/XX/XXXX: Strong overall credit; multiple closed tradelines with >12mo of reporing history. | 9/24/2025 | XX/XX/XXXX: Waived | 09/24/2025 | D B C A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 40012809 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/15/2025 | Resolved | XXXXXXXX-3331 | Credit | Significant Derogatory Credit Event – Requirement Not Met | Borrower credit report reflects two lates within the last XXX months. | XX/XX/XXXX: Uploaded | 9/17/2025 | XX/XX/XXXX: Waived | 9/19/2025 | XXX FICO, XXX% LTV, XXX months reserves D B A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXXX | 40012765 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/22/2025 | Resolved | XXXXXXXX-3332 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 10/2/2025 | XX/XX/XXXX: Received | 10/02/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012859 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/22/2025 | Resolved | XXXXXXXX-3333 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 10/2/2025 | XX/XX/XXXX: Received | 10/02/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012870 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/22/2025 | Resolved | XXXXXXXX-3334 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 10/2/2025 | XX/XX/XXXX: Received | 10/02/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012871 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/22/2025 | Resolved | XXXXXXXX-3335 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 10/2/2025 | XX/XX/XXXX: Received | 10/02/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012859 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/22/2025 | Resolved | XXXXXXXX-3336 | Credit | Insufficient Assets to Close | Missing Assest Documents - Insufficient Liquidity \| Expired assets of XXX are less than minimum required of $ XXX | XX/XX/XXXX: Uploaded | 10/2/2025 | XXX1003: Received | 10/02/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012765 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/22/2025 | Resolved | XXXXXXXX-3337 | Credit | Credit Report Missing or Defective | Missing Credit Report for G2-XXX | XX/XX/XXXX: Clear | 10/2/2025 | XXX1003: Received | 10/03/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012872 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/22/2025 | Resolved | XXXXXXXX-3338 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 10/2/2025 | XX/XX/XXXX: Received | 10/02/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012947 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/22/2025 | Resolved | XXXXXXXX-3339 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 10/2/2025 | XX/XX/XXXX: Received | 10/02/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012588 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/22/2025 | Resolved | XXXXXXXX-3340 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 10/2/2025 | XX/XX/XXXX: Received | 10/02/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012708 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/22/2025 | Resolved | XXXXXXXX-3341 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 10/2/2025 | XX/XX/XXXX: Received | 10/02/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012947 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/22/2025 | Resolved | XXXXXXXX-3342 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 10/2/2025 | XX/XX/XXXX: Received | 10/02/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012574 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/22/2025 | Resolved | XXXXXXXX-3343 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 10/2/2025 | XX/XX/XXXX: Received | 10/02/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012722 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/22/2025 | Resolved | XXXXXXXX-3344 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 10/2/2025 | XX/XX/XXXX: Received | 10/02/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012722 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/22/2025 | Resolved | XXXXXXXX-3345 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 10/2/2025 | XX/XX/XXXX: Received | 10/02/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012744 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/22/2025 | Resolved | XXXXXXXX-3346 | Credit | Credit Report Missing or Defective | Missing Credit Report for G2-XXX | XX/XX/XXXX: Clear | 10/2/2025 | XXX1003: Received | 10/03/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012744 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/22/2025 | Resolved | XXXXXXXX-3347 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 10/2/2025 | XX/XX/XXXX: Received | 10/02/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012745 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/22/2025 | Resolved | XXXXXXXX-3348 | Credit | Credit Report Missing or Defective | Missing Credit Report for G2-XXX | XX/XX/XXXX: Clear | 10/2/2025 | XXX1003: Received | 10/03/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012745 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/22/2025 | Resolved | XXXXXXXX-3349 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 10/2/2025 | XX/XX/XXXX: Received | 10/02/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012267 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/15/2025 | Resolved | XXXXXXXX-3352 | Credit | Insufficient Assets to Close | Missing Assest Documents - Insufficient Liquidity \| Total Assets of XXX < minimum required of XXX | XX/XX/XXXX: Uploaded | 10/10/2025 | XX/XX/XXXX: Received | 10/10/2025 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012744 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/17/2025 | Resolved | XXXXXXXX-3504 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XX/XX/XXXX: Uploaded | 11/20/2025 | XX/XX/XXXX: Received | 11/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012588 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/12/2026 | Resolved | XXXXXXXX-3709 | Credit | Security Instrument Missing or Defective | The notary did not print their name on the notary awknowledge page indicating that the borrower appeared before them. | XX/XX/XXXX: Uploaded | 1/14/2026 | XX/XX/XXXX: Received | 01/14/2026 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300177511 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original LTV is Below the Guideline Maximum - Calculated CLTV of 90% is less than Guideline CLTV of 90% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 90% is less than Guideline CCLTV of 90% A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| XXXXX | 92300177511 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.25% is less than Guideline CLTV of 47.25% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 47.25% is less than Guideline CCLTV of 47.25% A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| XXXXX | 92300177511 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.25% is less than Guideline CLTV of 47.25% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 47.25% is less than Guideline CCLTV of 47.25% A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| XXXXX | 92300177511 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/18/2025 | Acknowledged | FCRE1305 | Credit | Income 2 Income Trend is Decreasing | Income 2 Income Trend is Decreasing Borrower has decreasing tip income for his secondary employment at XXX. Guidelines, dated XX/XX/XXXX, require declining income sources to be closely reviewed to determine if the income may be used for qualifying. In file is a Lender exception to use the tip income with declining trend from 2022 to 2023 YTD. Compensating factors were listed as: high discretionary income and XXX years in current job. | Income 2 Income Trend is Decreasing Borrower has decreasing tip income for his secondary employment at XXX. Guidelines, dated XX/XX/XXXX, require declining income sources to be closely reviewed to determine if the income may be used for qualifying. In file is a Lender exception to use the tip income with declining trend from 2022 to 2023 YTD. Compensating factors were listed as: high discretionary income and XXX years in current job. | Income 2 Income Trend is Decreasing Borrower has decreasing tip income for his secondary employment at XXX. Guidelines, dated XX/XX/XXXX, require declining income sources to be closely reviewed to determine if the income may be used for qualifying. In file is a Lender exception to use the tip income with declining trend from 2022 to 2023 YTD. Compensating factors were listed as: high discretionary income and XXX years in current job. | Income 2 Income Trend is Decreasing Borrower has decreasing tip income for his secondary employment at XXX. Guidelines, dated XX/XX/XXXX, require declining income sources to be closely reviewed to determine if the income may be used for qualifying. In file is a Lender exception to use the tip income with declining trend from 2022 to 2023 YTD. Compensating factors were listed as: high discretionary income and XXX years in current job. | Income 2 Income Trend is Decreasing Borrower has decreasing tip income for his secondary employment at XXX. Guidelines, dated XX/XX/XXXX, require declining income sources to be closely reviewed to determine if the income may be used for qualifying. In file is a Lender exception to use the tip income with declining trend from 2022 to 2023 YTD. Compensating factors were listed as: high discretionary income and XXX years in current job. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.25% is less than Guideline CLTV of 47.25% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 47.25% is less than Guideline CCLTV of 47.25% A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| XXXXX | 92300177511 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/18/2025 | Acknowledged | FCRE1248 | Credit | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction Lender exception in file for transaction being non arm's length. Borrower also is the Landlord's employee for his secondary employer. The income is less than XXX% of total income and needed to qualify. Lender approved the exception with compensating factors of: high discretionary income and XXX years in current job. | Purchase is not considered to be an Arm's Length Transaction Lender exception in file for transaction being non arm's length. Borrower also is the Landlord's employee for his secondary employer. The income is less than XXX% of total income and needed to qualify. Lender approved the exception with compensating factors of: high discretionary income and XXX years in current job. | Purchase is not considered to be an Arm's Length Transaction Lender exception in file for transaction being non arm's length. Borrower also is the Landlord's employee for his secondary employer. The income is less than XXX% of total income and needed to qualify. Lender approved the exception with compensating factors of: high discretionary income and XXX years in current job. | Purchase is not considered to be an Arm's Length Transaction Lender exception in file for transaction being non arm's length. Borrower also is the Landlord's employee for his secondary employer. The income is less than XXX% of total income and needed to qualify. Lender approved the exception with compensating factors of: high discretionary income and XXX years in current job. | Purchase is not considered to be an Arm's Length Transaction Lender exception in file for transaction being non arm's length. Borrower also is the Landlord's employee for his secondary employer. The income is less than XXX% of total income and needed to qualify. Lender approved the exception with compensating factors of: high discretionary income and XXX years in current job. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.25% is less than Guideline CLTV of 47.25% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 47.25% is less than Guideline CCLTV of 47.25% A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| XXXXX | 92300177511 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/18/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Guidelines, dated XX/XX/XXXX, require a VOR along with the most recent XXX months of cancelled checks or bank Statements or a copy of the lease along with XXX months of cancelled checks or bank Statements when Borrower is making rental payments to an individual or interested party. The loan file contained XXX private party VOR's. The Lender approved an exception to accept a private VOR without cancelled checks or bank Statements with compensating factors of: high discretionary income and XXX years in current job. | Housing History Does Not Meet Guideline Requirements Guidelines, dated XX/XX/XXXX, require a VOR along with the most recent XXX months of cancelled checks or bank Statements or a copy of the lease along with XXX months of cancelled checks or bank Statements when Borrower is making rental payments to an individual or interested party. The loan file contained XXX private party VOR's. The Lender approved an exception to accept a private VOR without cancelled checks or bank Statements with compensating factors of: high discretionary income and XXX years in current job. | Housing History Does Not Meet Guideline Requirements Guidelines, dated XX/XX/XXXX, require a VOR along with the most recent XXX months of cancelled checks or bank Statements or a copy of the lease along with XXX months of cancelled checks or bank Statements when Borrower is making rental payments to an individual or interested party. The loan file contained XXX private party VOR's. The Lender approved an exception to accept a private VOR without cancelled checks or bank Statements with compensating factors of: high discretionary income and XXX years in current job. | Housing History Does Not Meet Guideline Requirements Guidelines, dated XX/XX/XXXX, require a VOR along with the most recent XXX months of cancelled checks or bank Statements or a copy of the lease along with XXX months of cancelled checks or bank Statements when Borrower is making rental payments to an individual or interested party. The loan file contained XXX private party VOR's. The Lender approved an exception to accept a private VOR without cancelled checks or bank Statements with compensating factors of: high discretionary income and XXX years in current job. | Housing History Does Not Meet Guideline Requirements Guidelines, dated XX/XX/XXXX, require a VOR along with the most recent XXX months of cancelled checks or bank Statements or a copy of the lease along with XXX months of cancelled checks or bank Statements when Borrower is making rental payments to an individual or interested party. The loan file contained XXX private party VOR's. The Lender approved an exception to accept a private VOR without cancelled checks or bank Statements with compensating factors of: high discretionary income and XXX years in current job. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.25% is less than Guideline CLTV of 47.25% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 47.25% is less than Guideline CCLTV of 47.25% A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| XXXXX | 92400186210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_CW_##, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_CW_##, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_CW_##, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant. Appraisal and escrow requirements met. | 06/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92400186210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2025 | Resolved | finding-3352 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92400186210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300189334 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/22/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | 9/11/2025 | Required Affiliated Business Disclosure Documentation Provided; Lender shows no affiliates used in transaction per documentation in file. Exception resolved | 09/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.25% is less than Guideline LTV of 47.25% Original LTV is Below the Guideline Maximum - Calculated LTV of 47.25% is less than Guideline LTV of 53.22% D A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| XXXXX | 92300189334 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/21/2025 | Acknowledged | FCRE5783 | Credit | Borrower 2 Gap Credit Report is Missing | Borrower 2 Gap Credit Report is Missing Gap or undisclosed monitoring report within XXX days of close is missing | Document Uploaded. | 9/16/2025 | Received approved lender exception request: Requesting an exception for credit refresh (gap report) not required per flagstar guidelines. Compensating factors; VOR 0x30 in XXX months; LTV of XXX% less than program max – guideline LTV of XXX%. | 09/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 53.22% is less than Guideline LTV of 53.22% Original LTV is Below the Guideline Maximum - Calculated LTV of 53.22% is less than Guideline LTV of 53.22% D A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| XXXXX | 92300189334 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/21/2025 | Acknowledged | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Gap or undisclosed monitoring report within XXX days of close is missing | Document Uploaded. | 9/16/2025 | Received approved lender exception request: Requesting an exception for credit refresh (gap report) not required per flagstar guidelines. Compensating factors; VOR 0x30 in XXX months; LTV XXX% less than program max – guideline LTV XXX%. | 09/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 53.22% is less than Guideline LTV of 53.22% Original LTV is Below the Guideline Maximum - Calculated LTV of 53.22% is less than Guideline LTV of 53.22% D A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| XXXXX | 92300189334 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated LTV of 53.22% is less than Guideline LTV of 53.22% Original LTV is Below the Guideline Maximum - Calculated LTV of 53.22% is less than Guideline LTV of 53.22% D A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| XXXXX | 92300192006 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | FCOM1600 | Compliance | Regulation § 1026.43(c)(2)(v) failure - The consumer's monthly payment for mortgage-related obligations not properly considered | Regulation § 1026.43(c)(2)(v) failure - The consumer's monthly payment for mortgage related obligations was not properly considered. Missing evidence of Lender's property tax amount used in underwriting at time of origination. | Document Uploaded. | 9/16/2025 | The consumer's monthly payment for mortgage related obligations is properly considered.; Tax cert for the subject property received. | 09/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 92300192006 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the completed affiliated business disclosure dated within XXX business days of application. The one provided doesn't list affiliates, but per the Privacy disclosure, XXX has affiliates. | Document Uploaded. | 9/16/2025 | Required Affiliated Business Disclosure Documentation Provided | 09/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 92300192006 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | FCRE1494 | Credit | ATR: Qualifying Payment Not Properly Considered | ATR Risk: Lender used monthly property taxes of XXX for the subject property. A tax certificate in file lists monthly taxes of $XXX. Please provide evidence of property taxes used by Lender. | Document Uploaded. | 9/16/2025 | Tax cert for the subject property received. | 09/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 92300192006 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of XXX% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of XXX% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of XXX% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant. Appraisal and escrow requirements met. | 09/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 92300192006 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 2508172069 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Per Matrix dated XX/XX/XXXX the maximum CLTV for a rural property is XXX% The subject Appraisal is marked rural and the loan closed with a CLTV of XXX%. | Document Uploaded. | 9/29/2025 | Audited LTV XXX% is less than or equal to Guideline LTV XXX% | 09/29/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX 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 C | A C | A C | A B | A B | A B | A B | A B | A |
| XXXXX | 2508172069 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Per Matrix dated XX/XX/XXXX the maximum HCLTV for a rural property is XXX% The subject Appraisal is marked rural and the loan closed with a HCLTV of XXX%. | Document Uploaded. | 9/29/2025 | Audited LTV XXX% is less than or equal to Guideline LTV XXX% | 09/29/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX 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 C | A C | A C | A B | A B | A B | A B | A B | A |
| XXXXX | 2508172069 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The subject loan includes a VOR from a private party. The Lender Guideline only accepts private party VOR's if the subject LTV is XXX% or less using the Core program. The subject loan was approved using the Core program with a LTV of XXX% so the Lender needed to provide proof of payment through cancelled checks or bank Statements. | Document Uploaded. | 9/19/2025 | Housing History Meets Guideline Requirements | 09/29/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX 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 C | A C | A C | A B | A B | A B | A B | A B | A |
| XXXXX | 2508172069 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Per Matrix dated XX/XX/XXXX the maximum LTV for a rural property is XXX% The subject Appraisal is marked rural and the loan closed with a LTV of XXX%. | Document Uploaded. ; Document Uploaded. | 9/25/2025 | Lender loan printout provided indicates an exception was approved as comments indicate "per guidelines, the maximum LTV for rural properties is XXX% We will allow a ##LU## exception, making the maximum LTV XXX%. Compensating factors; good credit; full doc and income stable. ; Lender Loan Exception Decision received is blank. Condition remains | 09/29/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX 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 C | A C | A C | A B | A B | A B | A B | A B | A |
| XXXXX | 2508172069 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX 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 C | A C | A C | A B | A B | A B | A B | A B | A |
| XXXXX | 2508172069 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | No property findings. Property and valuations related findings were not identified on the loan. | No property findings. Property and valuations related findings were not identified on the loan. |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX 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 C | A C | A C | A B | A B | A B | A B | A B | A |
| XXXXX | 92300182307 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/16/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Missing evidence the borrower was provided a copy of their appraisal at least XXX business days prior to consummation. | Document Uploaded. | 10/10/2025 | Evidence of appraisal delivery provided. | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 92300182307 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/18/2025 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing Please provide Deed of Trust. | Document Uploaded. | 10/10/2025 | The Deed of Trust is Present; Deed of Trust with PUD Rider was received. | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 92300182307 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/18/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is Less than Total Amount of Subject Lien $XXX. | Document Uploaded. | 10/20/2025 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Title policy with a loan amount of XXX was received. | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 92300182307 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/18/2025 | Resolved | FCOM1227 | Credit | PUD Rider is Missing | PUD Rider is Missing. Please provide PUD Rider. | Document Uploaded. | 10/10/2025 | The PUD Rider is Present or is Not Applicable (Property Type is PUD); Deed of Trust with PUD Rider was received. | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 92300182307 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 92300192817 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/18/2025 | Acknowledged | FCOM1111 | Compliance | Late Charge Grace Period is less than XXX days | Late Charge Grace Period is less than XXX days The late charge in the Note is XXX days and XXX% | this loan is DSCR, please waive or downgrade | 10/14/2025 | DSCR Review - not applicable. | 10/15/2025 | C B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| XXXXX | 92300192817 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | C B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| XXXXX | 92300192817 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | C B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| XXXXX | 92300191269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/23/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (##KP## | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. ((12 CFR ##_DJ_##(ii)). Documentation required: Provide evidence borrower received appraisal at least XXX business days prior to consummation. | Document Uploaded. | 9/29/2025 | Evidence of appraisal delivery provided. | 10/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 92300191269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The file does not contain a copy of the gap credit report dated within XXX days of the note date. | Document Uploaded. | 9/29/2025 | Borrower 1 Gap Credit Report is not missing.; Credit refresh report dated within XXX days of closing indicates no credit history changes. | 10/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 92300191269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 92010190257 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: [[(12 CFR ##_DJ_##(ii))]] The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or The revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or The revised loan estimate delivery date is on or after the initial closing disclosure delivery date. The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Documentation required: Provide evidence borrower received Revised Loan Estimate XXX days prior to consummation. | Document Uploaded. ; please provide date of LE in question, thank you. | 9/30/2025 | Revised LE receipt date provided; Exception resolved; Revised LE receipt date provided; Exception resolved; Revised LE dated XX/XX/XXXX is the disclosure in question and missing receipt date. | 10/01/2025 | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 92010190257 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §1026.19(e) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §1026.19(e) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §1026.19(e) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. | HPML compliant. Appraisal and escrow requirements met. | 10/01/2025 | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 92010190257 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Nothing in file to reflect the initial e-signature dated on or before XX/XX/XXXX. | Document Uploaded. | 9/30/2025 | Evidence of eConsent is provided. | 09/30/2025 | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 92010190257 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 92010190257 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 92010192732 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/03/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required: The eSigned documents consent is missing. Please provide eConsent dated on or before XX/XX/XXXX. | Document Uploaded. | 10/8/2025 | Evidence of eConsent is provided. | 10/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 92010192732 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The 3rd party fraud report is missing. | Document Uploaded. ; Document Uploaded. | 10/14/2025 | All Interested Parties Checked against Exclusionary Lists; Fraud report received verifies all interested parties were screened through any exclusionary list; Fraud Report received is missing evidence underwriter XXX, Appraiser XXX, XXX, was screened through any exclusionary list. Also missing evidence Listing agent XXX, XXX, Selling agents XXX, XXX and settlement agent XXX, XXX were screened through any exclusionary list. | 10/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 92010192732 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | Resolved | FCRE1205 | Credit | OFAC Check Not Completed and/or Cleared | OFAC Check Not Completed and/or Cleared The 3rd party fraud report is missing. | Document Uploaded. ; Document Uploaded. | 10/14/2025 | OFAC Check Completed and Cleared; Fraud report received verifies all interested parties were screened through any exclusionary list; Fraud Report received is missing evidence underwriter XXX, Appraiser XXX, XXX, was screened through any exclusionary list. Also missing evidence Listing agent XXX, XXX, Selling agents XXX, XXX and settlement agent XXX, XXX were screened through any exclusionary list. | 10/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 92010192732 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The 3rd party fraud report is missing. | Document Uploaded. | 10/8/2025 | Third Party Fraud Report is provided; Fraud Report received. | 10/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 92010192732 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 92400192894 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92400192894 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92400192894 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92400192638 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.22% is less than Guideline CLTV of 53.22% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.22% is less than Guideline CCLTV of 53.22% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% 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 |
| XXXXX | 92400192638 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.35% is less than Guideline LTV of 67.35% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.35% is less than Guideline CLTV of 67.35% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% 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 |
| XXXXX | 92400192638 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.35% is less than Guideline LTV of 67.35% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.35% is less than Guideline CLTV of 67.35% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% 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 |
| XXXXX | 92300189333 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The file does not contain a copy of the Gap credit report dated within XXX days of the Note date. | Document Uploaded. | 10/17/2025 | Borrower 1 Gap Credit Report is not missing.; Gap report provided | 10/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 67.35% is less than Guideline LTV of 67.35% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated LTV of 67.35% is less than Guideline LTV of 67.35% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 92300189333 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated LTV of 67.35% is less than Guideline LTV of 67.35% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated LTV of 67.35% is less than Guideline LTV of 67.35% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 92300189333 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated LTV of 67.35% is less than Guideline LTV of 67.35% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated LTV of 67.35% is less than Guideline LTV of 67.35% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 92400192311 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (##KP## | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (§1026.19(e). Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation. The document on page XXX shows the appraisal was emailed to XXX who is not the borrower. | Document Uploaded. | 10/13/2025 | Evidence of appraisal delivery provided. | 10/13/2025 | 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 | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92400192311 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §1026.19(e) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §1026.19(e) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §1026.19(e) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant. Appraisal and escrow requirements met. | 10/12/2025 | 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 | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92400192311 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | 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 | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92400192311 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | 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 | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92400191599 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure dated within XXX business days of application XX/XX/XXXX. The privacy disclosure does not State XXX has no affiliates. | Document Uploaded. | 10/15/2025 | Required Affiliated Business Disclosure Documentation Provided | 10/16/2025 | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92400191599 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92400191599 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92300192874 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Resolved | FPRO1500 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing The loan is secured by a condominium and the file does not contain a copy of the required Homeowners Association Questionnaire. | Document Uploaded. | 10/28/2025 | HOA Questionnaire Provided; HOA Questionnaire received. Conventional XXX Warranty indicates Type Q- Limited Review for established projects or established XX/XX/XXXX unit projects. | 10/30/2025 | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 67.35% is less than Guideline CLTV of 67.35% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.35% is less than Guideline CCLTV of 67.35% D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| XXXXX | 92300192874 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/14/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lock approval in file States program should be XXX XXX Statement, however Income Calculator in file is for XXX months. Missing Lock for the correct Income calculation verification. Missing XXX bank Statement and XXX XXX Bank Statement. | Document Uploaded. ; Document Uploaded. Lock Conf still missing the XXX | 10/28/2025 | Income and Employment Meet Guidelines; XX/XX/XXXX and XX/XX/XXXX bank Statements received validates bank Statement income utilized. ; Lock provided reflecting correct income however still missing XX/XX/XXXX & XX/XX/XXXX bank Statements. | 10/30/2025 | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 52.7% is less than Guideline LTV of 52.7% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.7% is less than Guideline CLTV of 52.7% D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| XXXXX | 2509175821 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Lender did not document all ATR UW Factors | Loan Review Complete | 10/21/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (##KP## | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (§1026.19(e). Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation XX/XX/XXXX. The documentation shows the borrower received a copy XX/XX/XXXX which does not meet the timing requirements. | Document Uploaded. ; Document Uploaded. The Note was dated and signed on the XXX and the proof of delivery was sent the XXX--- that is XXX days, more than XXX days prior. Thank you | 10/30/2025 | Evidence of appraisal delivery provided.; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (##XXX##. Appraisal was provided on XX/XX/XXXX however it was not at least XXX days prior to consummation | 12/04/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 2509175821 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Lender did not document all ATR UW Factors | Loan Review Complete | 10/22/2025 | Resolved | FCOM1225 | Credit | XXX Rider is Missing | XXX Rider is Missing | Document Uploaded. | 10/28/2025 | The XXX Rider is Present or Not Applicable (Occupancy is XXX); | 12/04/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 2509175821 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Lender did not document all ATR UW Factors | Loan Review Complete | 10/22/2025 | Resolved | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Missing sufficient assets to satisfy reserve requirement of XXX months. | Document Uploaded. The funds to close came out on XX/XX/XXXX for $XXX and XX/XX/XXXX and XX/XX/XXXX for XXX The loan closed on XX/XX/XXXX with an ending balance of XXX. which gives us plenty of reserves. Here is the new XXX 1003 and XXX bank Statement. Thank you; Document Uploaded. Please see attached PCCD that shows the final cash to close and the bank Statements to support that we have plenty to cover reserves/assets. Thank you!; Document Uploaded. XXX months reserves equate to XXX this XXX Statement has more than enough to cover the XXX months reserves. Thank you! | 12/4/2025 | The required number of months reserves are to be seasoned does meet Guideline requirement.; The Post close CD provided indicate funds to close of XXX (XXX +XXX). Verified assets of XXX ($XXX #XXX and $XXX #XXX) are not sufficient for funds to close of XXX as per the post close CD and XXX-months reserves of $XXX. Assets verified are short by XXX for funds to close and reserves. ; Client provided PCCD and bank Statements. PCCD dated XX/XX/XXXX - Email sent to compliance for inclusion into LM. Bank Statements from XXX for business acct XXX dated XX/XX/XXXX and personal acct XXX dated XX/XX/XXXX. ; Verified assets of XXX ($XXX #XXX and $XXX #XXX) are not sufficient for funds to close per final CD of XXX and XXX months reserves of $XXX. Assets are short by XXX for funds to close and reserves. ; The required number of months reserves are to be seasoned does not meet Guideline requirement. | 12/04/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 2509175821 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Lender did not document all ATR UW Factors | Loan Review Complete | 10/22/2025 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. | Document Uploaded. The funds to close came out on XX/XX/XXXX for $XXX and XX/XX/XXXX and XX/XX/XXXX for XXX The loan closed on XX/XX/XXXX with an ending balance of XXX. which gives us plenty of reserves. Here is the new XXX 1003 and XXX bank Statement. Thank you; Document Uploaded. Please see attached PCCD that shows the final cash to close and the bank Statements to support that we have plenty to cover reserves/assets. Thank you!; Document Uploaded. | 12/4/2025 | Funds are found to meet guidelines.; The Post close CD provided indicate funds to close of XXX (XXX +XXX). Verified assets of XXX ($XXX #XXX and $XXX #XXX) are not sufficient for funds to close of XXX as per the post close CD and XXX-months reserves of $XXX. Assets verified are short by XXX for funds to close and reserves. ; Verified assets of XXX ($XXX #XXX and $XXX #XXX) are not sufficient for funds to close per final CD of XXX and XXX months reserves of $XXX. Assets are short by XXX for funds to close and reserves. ; When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. | 12/04/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 2509175821 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Lender did not document all ATR UW Factors | Loan Review Complete | 10/22/2025 | Resolved | FCRE1497 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered Missing sufficient assets to satisfy reserve requirement of XXX months. | Document Uploaded. The funds to close came out on XX/XX/XXXX for $XXX and XX/XX/XXXX and XX/XX/XXXX for XXX The loan closed on XX/XX/XXXX with an ending balance of XXX. which gives us plenty of reserves. Here is the new XXX 1003 and XXX bank Statement. Thank you; Document Uploaded. Please see attached PCCD that shows the final cash to close and the bank Statements to support that we have plenty to cover reserves/assets. Thank you!; Document Uploaded. | 12/4/2025 | ATR: Reasonable Income or Assets Was Considered; The Post close CD provided indicate funds to close of XXX (XXX +XXX). Verified assets of XXX ($XXX #XXX and $XXX #XXX) are not sufficient for funds to close of XXX as per the post close CD and XXX-months reserves of $XXX. Assets verified are short by XXX for funds to close and reserves. ; Client provided PCCD and bank Statements. PCCD dated XX/XX/XXXX - Email sent to compliance for inclusion into LM. Bank Statements from XXX for business acct XXX dated XX/XX/XXXX and personal acct XXX dated XX/XX/XXXX.; Verified assets of XXX ($XXX #XXX and $XXX #XXX) are not sufficient for funds to close per final CD of XXX and XXX months reserves of $XXX. Assets are short by XXX for funds to close and reserves. | 12/04/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 2509175821 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Lender did not document all ATR UW Factors | Loan Review Complete | 10/22/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. | Document Uploaded. The funds to close came out on XX/XX/XXXX for $XXX and XX/XX/XXXX and XX/XX/XXXX for XXX The loan closed on XX/XX/XXXX with an ending balance of XXX. which gives us plenty of reserves. Here is the new XXX 1003 and XXX bank Statement. Thank you; Document Uploaded. Please see attached PCCD that shows the final cash to close and the bank Statements to support that we have plenty to cover reserves/assets. Thank you!; Document Uploaded. | 12/4/2025 | Audited Reserves of $ are equal to or greater than AUS Required Reserves of $XXX.; The Post close CD provided indicate funds to close of XXX (XXX +XXX). Verified assets of XXX ($XXX #XXX and $XXX #XXX) are not sufficient for funds to close of XXX as per the post close CD and XXX-months reserves of $XXX. Assets verified are short by XXX for funds to close and reserves. ; Client provided PCCD and bank Statements. PCCD dated XX/XX/XXXX - Email sent to compliance for inclusion into LM. Bank Statements from XXX for business acct XXX dated XX/XX/XXXX and personal acct XXX dated XX/XX/XXXX.; Verified assets of XXX ($XXX #XXX (XX/XX/XXXX) and $XXX #XXX) are not sufficient for funds to close per final CD of XXX and XXX months reserves of $XXX. Assets are short by XXX for funds to close and reserves. | 12/04/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 2509175821 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Lender did not document all ATR UW Factors | Loan Review Complete | 10/22/2025 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Missing sufficient assets to satisfy reserve requirement of XXX months. | Document Uploaded. The funds to close came out on XX/XX/XXXX for $XXX and XX/XX/XXXX and XX/XX/XXXX for XXX The loan closed on XX/XX/XXXX with an ending balance of XXX. which gives us plenty of reserves. Here is the new XXX 1003 and XXX bank Statement. Thank you; Document Uploaded. Please see attached PCCD that shows the final cash to close and the bank Statements to support that we have plenty to cover reserves/assets. Thank you!; Document Uploaded. XXX months reserves equate to XXX this XXX Statement has more than enough to cover the XXX months reserves. Thank you! | 12/4/2025 | Audited Reserves of month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); The Post close CD provided indicate funds to close of XXX (XXX +XXX). Verified assets of XXX ($XXX #XXX and $XXX #XXX) are not sufficient for funds to close of XXX as per the post close CD and XXX-months reserves of $XXX. Assets verified are short by XXX for funds to close and reserves. ; Verified assets of XXX ($XXX #XXX and $XXX #XXX) are not sufficient for funds to close per final CD of XXX and XXX months reserves of $XXX. Assets are short by XXX for funds to close and reserves. | 12/04/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 2509175821 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Lender did not document all ATR UW Factors | Loan Review Complete | 10/21/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to decrease from XXX to XXX for the LC on CD XX/XX/XXXX to Final CD XX/XX/XXXX. A COC is required to determine if this was a valid change. | Document Uploaded. | 10/24/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 10/27/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 2509175821 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Lender did not document all ATR UW Factors | Loan Review Complete | 10/21/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease 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 12 CFR ##_XXX_## , is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Loan Discount points from CD XX/XX/XXXX to Final CD XX/XX/XXXX. A COC is required to determine if this was a valid change. | Document Uploaded. | 10/24/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 10/27/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 92010192530 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/24/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide eConsent dated on or before XX/XX/XXXX. | Document Uploaded. | 10/28/2025 | Evidence of eConsent is provided. | 10/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 52.7% is less than Guideline CLTV of 52.7% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.7% is less than Guideline CCLTV of 52.7% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92010192530 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 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 Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 54.79% is less than Guideline LTV of 54.79% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.79% is less than Guideline CLTV of 54.79% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92010192530 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 54.79% is less than Guideline LTV of 54.79% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.79% is less than Guideline CLTV of 54.79% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92300196128 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2025 | Resolved | FCOM1252 | Compliance | TRID: Missing Loan Estimate | The initial and/or any revised Loan Estimate is missing. As a result, a full review for compliance with timing and tolerance requirements could not be performed. The defect can b cured by providing the initial and any revised Loan Estimates that were issued to the consumer. | Document Uploaded. | 10/29/2025 | Initial LE provided; Exception resolved | 11/02/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | D | A D B | D B A | D B A | D B A | D B A | D A | A | A | A | A | A |
| XXXXX | 92300196128 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/24/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide eConsent dated on or before XX/XX/XXXX. | Document Uploaded. ; Document Uploaded. | 10/31/2025 | Evidence of eConsent is provided.; The document uploaded is of the LE-- The eSigned documents consent is missing. Please provide eConsent dated on or before XX/XX/XXXX. | 11/02/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | D | A D B | D B A | D B A | D B A | D B A | D A | A | A | A | A | A |
| XXXXX | 92300196128 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2025 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. There is no XXX nor a lender's version of an approval in the file. | Document Uploaded. | 10/27/2025 | Approval/Underwriting Summary is fully present; XXX Underwriting and Transmittal Summary was received. | 10/29/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | D | A D B | D B A | D B A | D B A | D B A | D A | A | A | A | A | A |
| XXXXX | 92300196128 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | D | A D B | D B A | D B A | D B A | D B A | D A | A | A | A | A | A |
| XXXXX | 92300196123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Unable to compare final loan terms, please provide the final XXX and/or lender loan approval. | Document Uploaded. ; Document Uploaded. | 11/5/2025 | Approval/Underwriting Summary is fully present; A XXX loan approval with income and DTI was provided. ; XXX approval does not reflect the income used and the qualifying DTI ratios used by the lender. | 11/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| XXXXX | 92300196123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| XXXXX | 92300196123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| XXXXX | 2509174254 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2509174254 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 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 Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated LTV of 54.79% is less than Guideline LTV of 54.79% Original LTV is Below the Guideline Maximum - Calculated LTV of 54.79% is less than Guideline LTV of 54.79% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2509174254 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated LTV of 54.79% is less than Guideline LTV of 54.79% Original LTV is Below the Guideline Maximum - Calculated LTV of 54.79% is less than Guideline LTV of 54.79% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300196047 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Per the Guidelines XXX Months Reserves in the amount of XXX are required. The assets Verify XXX in available reserves. | Document Uploaded. ; Document Uploaded. | 11/21/2025 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; The lock confirmation indicates the program as XXX. Lock confirmation does not indicate the XXX option can be utilized. Condition remains. | 11/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. 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 C | A C | A C | A | A | A | A | A | A |
| XXXXX | 92300196047 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) Per the Guidelines XXX Months Reserves are required. The assets in the file Verify XXX months. | Document Uploaded. ; Document Uploaded. | 11/21/2025 | Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); The lock confirmation indicates the program as XXX. Lock confirmation does not indicate the XXX option can be utilized. Condition remains. | 11/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. 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 C | A C | A C | A | A | A | A | A | A |
| XXXXX | 92300196047 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_XXX_## , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_XXX_## , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_XXX_## , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant. Appraisal and escrow requirements met. | 10/30/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. 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 C | A C | A C | A | A | A | A | A | A |
| XXXXX | 92300196047 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. 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 C | A C | A C | A | A | A | A | A | A |
| XXXXX | 2508169949 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 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 Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2508169949 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 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 Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2508169949 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2509175502 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The required coverage of XXX is the XXX% of replacement cost coverage please provide sufficient policy coverage. | Document Uploaded. | 11/7/2025 | Hazard insurance dwelling amount of XXX covers the loan amount of $XXX.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 11/07/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 54.79% is less than Guideline LTV of 54.79% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of 54.79% is less than Guideline LTV of 54.79% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. 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 C | A C | A C | A | A | A | A | A | A |
| XXXXX | 2509175502 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/03/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_XXX_## , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_XXX_## , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_XXX_## , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant. Appraisal and escrow requirements met. | 11/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 54.79% is less than Guideline LTV of 54.79% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of 54.79% is less than Guideline LTV of 54.79% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. 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 C | A C | A C | A | A | A | A | A | A |
| XXXXX | 2509175502 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated LTV of 54.79% is less than Guideline LTV of 54.79% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of 54.79% is less than Guideline LTV of 54.79% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. 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 C | A C | A C | A | A | A | A | A | A |
| XXXXX | 92400194964 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure required: Cure of XXX required for increase in Tax Service Fee. Cure requires PCCD, LOE, copy of refund check, or valid COC. COC provided insufficient for increase as it does not indicate why the fee increased. This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease 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 12 CFR ##_XXX_## , is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. ; Document Uploaded. | 11/13/2025 | Cure package provided, exception downgraded to a 2/B; Cure package provided, exception downgraded to a 2/B; provide clarification of the reason for the increase in tax service fee. The COC does not give a valid reason | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| XXXXX | 92400194964 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| XXXXX | 92400194964 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| XXXXX | 2509174530 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Cured | FCOM1851 | Compliance | Incorrect rescission model used - RTC form model H-XXX used for Same Lender or Lender Affiliate Refinance | Incorrect rescission model used - RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate Refinance Documentation required to clear: Subject is a c/o refinance of primary residence originated with original lender. An H9 should be utilized as there is new money involved. Cure requires re-opening of rescission, PCCD, LOE, and proof of delivery. | Document Uploaded. ; Documents received and uploaded for review.; Document Uploaded. | 12/5/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; While the PCCD corrected the disbursement issue- the right to cancel provided was an H8, however should have been an H9. Per the title commitment, the prior lender was XXX and remains the current lender of the new loan (also new money is involved). Cure requires the re-opening of rescission, providing the correct Form H9, LOE, and proof of delivery.; Document Uploaded. ; Cure required re-opening of rescission with the correct form, PCCD, LOE, and proof of delivery, however only the PCCD was provided. | 12/07/2025 | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| XXXXX | 2509174530 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/03/2025 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end [[(12 CFR ##_XXX_## , transferred from 12 CFR ##_XXX_##), Open-end [[(12 CFR ##_XXX_## , transferred from XXX CFR §226.15(a)(3) he funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR ##_XXX_## or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation required to Cure: Right to cancel was signed by the borrower on XX/XX/XXXX but the expiration date shown on the form is XX/XX/XXXX. Disbursement happened on XX/XX/XXXX, therefore the borrower did not receive XXX days to cancel. In order cure, rescission needs to be re-opened and a PCCD, LOE, and proof of delivery is required. | Documents received.; Document Uploaded. | 11/17/2025 | Client provided an email confirming that disbursement was actually on XX/XX/XXXX (drying funding State of XXX) and attached an updated PCCD to reflect the correct date that disbursement occurred. Exception resolved.; Client provided an email confirming that disbursement was actually on XX/XX/XXXX (drying funding State of XXX) and attached an updated PCCD to reflect the correct date that disbursement occurred. Exception resolved.; Document Uploaded. ; Cure required re-opening of rescission with the correct form, PCCD, LOE, and proof of delivery, however only the PCCD was provided. | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| XXXXX | 2509174530 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| XXXXX | 2509174530 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | D | B D A | D A | D A | D A | D A | D B A | B A | B A | B A | B A | B |
| XXXXX | 2509175217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_XXX_##(ii)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_XXX_##(ii)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_XXX_##(ii)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | HPML compliant. Appraisal and escrow requirements met. | 11/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2509175217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Resolved | finding-2623 | Compliance | XXX XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | This loan failed the XXX higher-priced mortgage loan test. (XXX XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | This loan failed the XXX higher-priced mortgage loan test. (XXX XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | HPML compliant. Appraisal and escrow requirements met. | 11/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2509175217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2509175217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 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 Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92400194744 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92400194744 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92400194744 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300196744 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Per Lock, Doc Type is XXX Months Business Bank Statements; verified Lender income per calculator of XXX months business bank Statement analyzed for qualifying income; Lock Doc Type clarification required (XXX UW comments reflect XXX months bank stmnts) | Document Uploaded. | 11/11/2025 | Income and Employment Meet Guidelines; An updated rate lock confirmation with the doc type as XXX months business bank Statements was received. | 11/12/2025 | 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 C | A C | A C | A | A | A | A | A | A |
| XXXXX | 92300196744 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 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 C | A C | A C | A | A | A | A | A | A |
| XXXXX | 92300196744 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 2509175260 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to 12 CFR ##_XXX_##(ii)) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to decrease in lender credit from XXX to XXX from CD XX/XX/XXXX to FCD XX/XX/XXXX. There is a COC dated XX/XX/XXXX but there isn't a CD issued within XXX business days of the change. | Document Uploaded. ; Document Uploaded. | 11/12/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved; The COC provided did not resolve the exception; There is a COC dated XX/XX/XXXX but there isn't a CD issued within XXX business days of the change. | 11/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 2509175260 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 2509175260 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 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 | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 92400195752 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | FCRE1081 | Credit | NQM Funding - B1 Gap Credit Report expired outside XXX-days prior to consummation | The Gap Credit Report pull date (XX/XX/XXXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date (XX/XX/XXXX) on the Note Info card as found on the Note page. Please make appropriate corrections. Gap Credit report in the file for the borrowers expired prior to closing. Auditor is not sure if the credit reports with a completed date of XX/XX/XXXX will suffice if not the lender must provided an updated Gap Report good through closing. | Document Uploaded. | 11/19/2025 | Gap Credit Report pull date is inside XXX-days of consummation date.; Credit refresh report dated within XXX days of closing was received. | 11/25/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 92400195752 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | FCRE1082 | Credit | NQM Funding - B2 Gap Credit Report expired outside XXX-days prior to consummation | The Gap Credit Report pull date: (XX/XX/XXXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XX/XX/XXXX) on the Note Info card as found on the Note page. Please make appropriate corrections. Gap Credit report in the file for the borrowers expired prior to closing. Auditor is not sure if the credit reports with a completed date of XX/XX/XXXX will suffice if not the lender must provided an updated Gap Report good through closing. | uploaded | 11/19/2025 | Gap Credit Report pull date is inside XXX-days of consummation date.; Credit refresh report dated within XXX days of closing was received. | 11/25/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 92400195752 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 92400195752 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 2510176056 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 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 Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2510176056 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 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 Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2510176056 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300196065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300196065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300196065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92010194965 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/07/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 11/12/2025 | Evidence of eConsent is provided. | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO 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 | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92010194965 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 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 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 | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92010194965 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 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 | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92010193098 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required- Missing eSigned documents consent. Intent to Proceed was electronically signed on XX/XX/XXXX. | Document Uploaded. | 11/13/2025 | Evidence of eConsent is provided.; E-consent received | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92010193098 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/07/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_XXX_##(ii)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_XXX_##(ii)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_XXX_##(ii)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | HPML compliant. Appraisal and escrow requirements met. | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92010193098 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92010193098 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 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 Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92010194267 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/07/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: [[12 CFR ##_XXX_##(ii))]] The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or The revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or The revised loan estimate delivery date is on or after the initial closing disclosure delivery date. The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. There's no evidence of receipt for the revised LE XX/XX/XXXX. Provide evidence to confirm when LE was received to confirm timing requirements were met. | Document Uploaded. | 11/13/2025 | Client provided proof of LE delivery for testing; exception resolved; Client provided proof of LE delivery for testing; exception resolved | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.79% is less than Guideline LTV of 65% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.79% is less than Guideline CLTV of 65% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 92010194267 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.76% is less than Guideline LTV of 43.76% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.76% is less than Guideline CLTV of 43.76% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 92010194267 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.76% is less than Guideline LTV of 43.76% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.76% is less than Guideline CLTV of 43.76% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 92010194959 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE6873 | Credit | Fraud alert is present on the credit report | Fraud Alert disclosed on borrower's credit report dated XX/XX/XXXX. Fraud alert was not addressed by lender. | Document Uploaded. | 11/17/2025 | Processor certification provided indicates lender verified the identity of borrower before granting credit. | 11/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 92010194959 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 92010194959 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 92010196234 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/07/2025 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML Compliant This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML Compliant This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant. Appraisal and escrow requirements met. | 11/25/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| XXXXX | 92010196234 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/07/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_XXX_##(ii)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_XXX_##(ii)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_XXX_##(ii)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant. Appraisal and escrow requirements met. | 11/25/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| XXXXX | 92010196234 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | TILA 130B cure required; Cure package requires PCCD, LOE, copy of check and proof of delivery. Cure amount $XXX. Title fees are paid to the provider on the SSPL and the title insurance increased without a valid COC in file This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR ##_XXX_##(ii))]] The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | Document Uploaded. ; Based on calculation closer is coming up with a cure: $XXX. Total disclosed on LE was XXX & total charged in final CD was XXX $XXX+XXX%=$XXX. Cure of $XXX. Please review and confirm we are in agreement and I will proceed with cure. Thank you. | 11/24/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; Recording fees are included in the XXX% calculation: XXX + XXX = XXX + XXX% = $XXX. Amount charged XXX (Section C + recording fees). XXX = Total cure amount XXX | 11/25/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| XXXXX | 92010196234 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| XXXXX | 92010196234 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| XXXXX | 92010195057 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO1245 | Property | Appraisal is Expired | Primary Value Appraisal is Expired Appraisal Value date expired | Document Uploaded. | 11/13/2025 | Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist; 1004D Appraisal Update / recertification of value was received. | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.76% is less than Guideline LTV of 43.76% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.76% is less than Guideline CLTV of 43.76% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 92010195057 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO1137 | Property | The appraiser was not licensed (Primary Value) | Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date | Document Uploaded. | 11/13/2025 | Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided; 1004D Appraisal Update / recertification of value was received. Appraiser's license was received. | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.76% is less than Guideline LTV of 43.76% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.76% is less than Guideline CLTV of 43.76% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 92010195057 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. | Document Uploaded. | 11/17/2025 | Funds are found to meet guidelines. | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.76% is less than Guideline LTV of 43.76% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.76% is less than Guideline CLTV of 43.76% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 92010195057 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not provided | Document Uploaded. | 11/17/2025 | Third party valuation product provided within tolerance.; SSR Report for the subject property with a CU Score of XXX was received. | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.76% is less than Guideline LTV of 43.76% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.76% is less than Guideline CLTV of 43.76% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 92010194825 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FCRE1248 | Credit | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction Property Purchased from the Borrowers aunt per the Gift Letter, The payoff in the file verifies that it is not a foreclosure Bailout. | Rebuttal: We allow non-arms length transactions and the loan meets this policy. | 11/13/2025 | ; Confirmed loan is non-arms length transaction. Lender comments indicate, we allow non-arms length transactions and the loan meets this policy. | 11/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 43.76% is less than Guideline LTV of 43.76% Original LTV is Below the Guideline Maximum - Calculated LTV of 43.76% is less than Guideline LTV of 43.76% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO 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 XX/XX/XXXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| XXXXX | 92010194825 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. | 11/12/2025 | Evidence of eConsent is provided. | 11/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 43.76% is less than Guideline LTV of 43.76% Original LTV is Below the Guideline Maximum - Calculated LTV of 43.76% is less than Guideline LTV of 43.76% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO 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 XX/XX/XXXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| XXXXX | 92010194825 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated LTV of 43.76% is less than Guideline LTV of 43.76% Original LTV is Below the Guideline Maximum - Calculated LTV of 43.76% is less than Guideline LTV of 43.76% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO 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 XX/XX/XXXX years on job. A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| XXXXX | 92300196049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300196049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300196049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 90140190300 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FCOM1206 | Credit | The Note is Missing | The Note is Missing. | Document Uploaded. | 11/14/2025 | The Note is Present.; An executed Note was provided. ; The Note is Present.; note provided | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.76% is less than Guideline CLTV of 43.76% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.76% is less than Guideline CCLTV of 43.76% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 90140190300 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete The non-occupying co-borrower is not listed on the Mortgage, and therefore, did not execute this document. | Document Uploaded. | 11/14/2025 | The Deed of Trust is Present and Complete; DOT provided | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.06% is less than Guideline CLTV of 47.06% Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 47.06% is less than Guideline CCLTV of 47.06% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 90140190300 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  |  | Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.06% is less than Guideline CLTV of 47.06% Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 47.06% is less than Guideline CCLTV of 47.06% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 90140190300 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.06% is less than Guideline CLTV of 47.06% Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 47.06% is less than Guideline CCLTV of 47.06% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 92400195137 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. Missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 11/17/2025 | Evidence of eConsent is provided. | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.06% is less than Guideline LTV of 47.06% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 47.06% is less than Guideline CLTV of 61.58% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92400195137 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.58% is less than Guideline CLTV of 61.58% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original LTV is Below the Guideline Maximum - Calculated CLTV of 61.58% is less than Guideline CLTV of 61.58% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92400195137 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.58% is less than Guideline CLTV of 61.58% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original LTV is Below the Guideline Maximum - Calculated CLTV of 61.58% is less than Guideline CLTV of 61.58% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92300196463 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | finding-2978 | Compliance | XXX 209 CMR 32.35 Higher-Priced Mortgage Loan Test | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations. While the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations. While the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations. While the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant. Appraisal and escrow requirements met. | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300196463 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 80% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 80% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 80% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant. Appraisal and escrow requirements met. | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300196463 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 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 Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300196463 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92010195548 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. Missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 11/14/2025 | Evidence of eConsent is provided. | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92010195548 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 80% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 80% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 80% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant. Appraisal and escrow requirements met. | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92010195548 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92010195548 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92300196667 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM1231 | Credit | The Initial 1003 is Missing | The Initial 1003 is Missing Missing initial 1003. | Document Uploaded. | 11/14/2025 | The Initial 1003 is Present; An initial 1003 application was received. | 11/26/2025 | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 92300196667 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Missing Business Purpose disclosure. | Document Uploaded. ; Document Uploaded. | 11/25/2025 | Business Purpose Affidavit/Disclosure Provided; Lender provided Business Purpose Affidavit for the borrower.; Received Business Narrative, missing a Business Purpose Affidavit/Disclosure. | 11/26/2025 | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 92300196667 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE1161 | Credit | Flood Certificate Missing | Missing Flood Certificate Missing flood certificate. | Document Uploaded. | 11/14/2025 | Flood Certificate is fully present; A flood certificate for the subject property was provided. | 11/26/2025 | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 92300196667 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing fraud report. | Document Uploaded. ; Document Uploaded. | 11/25/2025 | Third Party Fraud Report is provided; Fraud Report received missing evidence settlement agent Independence Title, XXX, underwriter XXX and Appraiser XXX, XXX Appraisals were screened through any exclusionary list. | 11/26/2025 | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 92300196667 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 92400195609 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice disclosure, XXX. has affiliates. Provide the Affiliated Business disclosure dated within XXX business days of application XX/XX/XXXX. | Document Uploaded. | 11/18/2025 | Required Affiliated Business Disclosure Documentation Provided; Received confirmation no affiliates | 11/21/2025 | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 92400195609 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/13/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Missing gap credit report, dated within XXX days of the Note date, as required by guidelines, dated XX/XX/XXXX. | Document Uploaded. | 11/20/2025 | Borrower 1 Gap Credit Report is not missing.; Gap report | 11/21/2025 | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 92400195609 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 92400196122 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The file does not contain a copy of the Gap Credit report dated within XXX days of the Note date. | Document Uploaded. | 11/20/2025 | Borrower 1 Gap Credit Report is not missing.; GAP Report received. | 11/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 92400196122 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/13/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 80% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 80% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 80% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. | HPML compliant. Appraisal and escrow requirements met. | 11/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 92400196122 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 92400195558 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/13/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates. | Document Uploaded. | 11/20/2025 | Affiliated attestation provided; Exception resolved | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92400195558 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92400195558 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 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 Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92300196806 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | No Compliance Findings The loan is in compliance with all applicable laws and regulations. | No Compliance Findings The loan is in compliance with all applicable laws and regulations. | 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 Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300196806 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 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 Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300196806 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92010195032 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 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 Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92010195032 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92010195032 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 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 Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92400196868 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  |  | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated CLTV of 61.58% is less than Guideline CLTV of 61.58% Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 61.58% is less than Guideline CCLTV of 61.58% 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 |
| XXXXX | 92400196868 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated CLTV of 61.58% is less than Guideline CLTV of 61.58% Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 61.58% is less than Guideline CCLTV of 61.58% 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 |
| XXXXX | 92400196868 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated CLTV of 61.58% is less than Guideline CLTV of 61.58% Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 61.58% is less than Guideline CCLTV of 61.58% 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 |
| XXXXX | 92300196565 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 80% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 80% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 80% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant. Appraisal and escrow requirements met. | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.58% is less than Guideline CLTV of 61.58% Original LTV is Below the Guideline Maximum - Calculated CLTV of 61.58% is less than Guideline CLTV of 61.58% Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300196565 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 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 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.58% is less than Guideline CLTV of 61.58% Original LTV is Below the Guideline Maximum - Calculated CLTV of 61.58% is less than Guideline CLTV of 61.58% Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300196565 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.58% is less than Guideline CLTV of 61.58% Original LTV is Below the Guideline Maximum - Calculated CLTV of 61.58% is less than Guideline CLTV of 61.58% Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92400196727 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/18/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (LTV of 80%]] The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase on the final CD dated XX/XX/XXXX from the initial LE dated XX/XX/XXXX as follows: XXX to XXX for the title policy and XXX to XXX for the notary fee. The loan file is missing the SSPL. | Document Uploaded. ; Document Uploaded. | 12/3/2025 | SSPL provided; exception resolved; SSPL provided; exception resolved; The loan file is missing the SSPL therefore all title fees in section C are included in the XXX% tolerance calculation; The loan file is missing the SSPL therefore all title fees in section C are included in the XXX% tolerance calculation | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO 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 | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 92400196727 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/18/2025 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing | Document Uploaded. ; Document Uploaded. | 12/1/2025 | Homeownership Counseling Disclosure Is Present or Not Applicable; Homeownership Counseling Disclosure Is Missing Disclosure tracking shows the HOC was provided to the borrower, however a copy of the document was not provided to confirm it is compliant. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO 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 | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 92400196727 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/18/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | 11/24/2025 | Required Affiliated Business Disclosure Documentation Provided | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO 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 | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 92400196727 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 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 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 | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 92400196727 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 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 | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 92400196467 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 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 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 |
| XXXXX | 92400196467 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 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 |
| XXXXX | 92400196467 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 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 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 |
| XXXXX | 92010196345 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Resolved | FCRE2900 | Credit | Borrower Non-US Citizen Identification Document Missing | Non XXX Citizen Borrower is missing Identification Document. Per the Final 1003, the Borrower is a non-permanent Resident alien, the file does not contain any evidence of the Borrower's social Security Number, ITIN, or residency documents. | Document Uploaded. | 11/21/2025 | Borrower Identification Document provided. | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO 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 XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 92010196345 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 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 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 92010196345 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 92400193800 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/21/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The file does not contain verification of the existence of the Business Dated within XXX business days of the note date. | Document Uploaded. | 12/1/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided; VOE Missing.; Borrower 1 3rd Party VOE Prior to Close Was Provided; Client provided VVOE dated XX/XX/XXXX. | 12/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.58% is less than Guideline CLTV of 85% Original LTV is Below the Guideline Maximum - Calculated LTV of 61.58% is less than Guideline LTV of 85% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 92400193800 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/21/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The file does not contain a copy of the Gap Credit Report dated within XXX days of the Note date. | Document Uploaded. | 12/1/2025 | Borrower 1 Gap Credit Report is not missing.; GAP Report Received.; Borrower 1 Gap Credit Report is not missing.; Client provided gap report dated XX/XX/XXXX. | 12/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated LTV of 38.36% is less than Guideline LTV of 38.36% Original LTV is Below the Guideline Maximum - Calculated LTV of 38.36% is less than Guideline LTV of 38.36% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 92400193800 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/21/2025 | Resolved | FCRE5783 | Credit | Borrower 2 Gap Credit Report is Missing | Borrower 2 Gap Credit Report is Missing The file does not contain a copy of the Gap Credit Report dated within XXX days of the Note date. | Document Uploaded. | 12/1/2025 | Borrower 2 Gap Credit Report is not missing. | 12/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated LTV of 38.36% is less than Guideline LTV of 38.36% Original LTV is Below the Guideline Maximum - Calculated LTV of 38.36% is less than Guideline LTV of 38.36% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 92400193800 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated LTV of 38.36% is less than Guideline LTV of 38.36% Original LTV is Below the Guideline Maximum - Calculated LTV of 38.36% is less than Guideline LTV of 38.36% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 92400193800 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated LTV of 38.36% is less than Guideline LTV of 38.36% Original LTV is Below the Guideline Maximum - Calculated LTV of 38.36% is less than Guideline LTV of 38.36% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 92300197004 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 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 Original LTV is Below the Guideline Maximum - Calculated LTV of 38.36% is less than Guideline CLTV of 38.36% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.36% is less than Guideline CCLTV of 38.36% Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300197004 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 Original LTV is Below the Guideline Maximum - Calculated LTV of 58.07% is less than Guideline LTV of 58.07% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.07% is less than Guideline CLTV of 58.07% Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300196632 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/21/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The provided Fannie Mae UCDP collateral score is XXX and the file does not contain a third party valuation product. | Document Uploaded. | 12/4/2025 | Third party valuation product provided within tolerance.; CDA received. | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated LTV of 58.07% is less than Guideline LTV of 58.07% Original LTV is Below the Guideline Maximum - Calculated LTV of 58.07% is less than Guideline LTV of 58.07% Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 92300196632 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 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 Original CLTV is Below the Guideline Maximum - Calculated LTV of 58.07% is less than Guideline LTV of 58.07% Original LTV is Below the Guideline Maximum - Calculated LTV of 58.07% is less than Guideline LTV of 58.07% Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 92300196632 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 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 Original CLTV is Below the Guideline Maximum - Calculated LTV of 58.07% is less than Guideline LTV of 58.07% Original LTV is Below the Guideline Maximum - Calculated LTV of 58.07% is less than Guideline LTV of 58.07% Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 92300196473 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/21/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 80% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 80% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 80% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant. Appraisal and escrow requirements met. | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300196473 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 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 Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300196473 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92010192015 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/21/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 11/26/2025 | Evidence of eConsent is provided. | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92010192015 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92010192015 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 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 Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92400195723 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Please provide the Homeownership Counseling Disclosure issued within XXX days of the application date. | Document Uploaded. | 12/3/2025 | Homeownership Counseling Disclosure Is Present or Not Applicable | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated LTV of 58.07% is less than Guideline CLTV of 58.07% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.07% is less than Guideline CCLTV of 58.07% Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92400195723 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates. | Document Uploaded. | 12/3/2025 | Required Affiliated Business Disclosure Documentation Provided | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated CLTV of 62.21% is less than Guideline CLTV of 62.21% Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 62.21% is less than Guideline CCLTV of 62.21% Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92400195723 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 80% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 80% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 80% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant. Appraisal and escrow requirements met. | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated CLTV of 62.21% is less than Guideline CLTV of 62.21% Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 62.21% is less than Guideline CCLTV of 62.21% Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92400195723 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 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 Original LTV is Below the Guideline Maximum - Calculated CLTV of 62.21% is less than Guideline CLTV of 62.21% Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 62.21% is less than Guideline CCLTV of 62.21% Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92400195723 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 Original LTV is Below the Guideline Maximum - Calculated CLTV of 62.21% is less than Guideline CLTV of 62.21% Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 62.21% is less than Guideline CCLTV of 62.21% Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92010196544 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/25/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide Third Party Fraud report with all high alerts cleared | Document Uploaded. | 12/2/2025 | Third Party Fraud Report is provided; Client provided fraud report dated XXX/XXX/XXX. | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| XXXXX | 92010196544 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| XXXXX | 92010196544 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| XXXXX | 92010196544 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/25/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline XXX% LTV Lender approved exception was documented in file for XXX% LTV exception to XXX% for a rural investment property using the following compensating factors: Excellent credit history, appraised value and AVM exceeds purchase price, DTI > XXX% below program requirement and XXX months mortgage history. | Audited LTV of XXX% exceeds Guideline XXX% LTV Lender approved exception was documented in file for XXX% LTV exception to XXX% for a rural investment property using the following compensating factors: Excellent credit history, appraised value and AVM exceeds purchase price, DTI > XXX% below program requirement and XXX months mortgage history. | Audited LTV of XXX% exceeds Guideline XXX% LTV Lender approved exception was documented in file for XXX% LTV exception to XXX% for a rural investment property using the following compensating factors: Excellent credit history, appraised value and AVM exceeds purchase price, DTI > XXX% below program requirement and XXX months mortgage history. | Audited LTV of XXX% exceeds Guideline XXX% LTV Lender approved exception was documented in file for XXX% LTV exception to XXX% for a rural investment property using the following compensating factors: Excellent credit history, appraised value and AVM exceeds purchase price, DTI > XXX% below program requirement and XXX months mortgage history. | Audited LTV of XXX% exceeds Guideline XXX% LTV Lender approved exception was documented in file for XXX% LTV exception to XXX% for a rural investment property using the following compensating factors: Excellent credit history, appraised value and AVM exceeds purchase price, DTI > XXX% below program requirement and XXX months mortgage history. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| XXXXX | 92010196544 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/25/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline XXX% HCLTV Lender approved exception was documented in file for XXX% HCLTV exception to XXX% for a rural investment property using the following compensating factors: Excellent credit history, appraised value and AVM exceeds purchase price, DTI > XXX% below program requirement and XXX months mortgage history. | Audited HLTV of XXX% exceeds Guideline XXX% HCLTV Lender approved exception was documented in file for XXX% HCLTV exception to XXX% for a rural investment property using the following compensating factors: Excellent credit history, appraised value and AVM exceeds purchase price, DTI > XXX% below program requirement and XXX months mortgage history. | Audited HLTV of XXX% exceeds Guideline XXX% HCLTV Lender approved exception was documented in file for XXX% HCLTV exception to XXX% for a rural investment property using the following compensating factors: Excellent credit history, appraised value and AVM exceeds purchase price, DTI > XXX% below program requirement and XXX months mortgage history. | Audited HLTV of XXX% exceeds Guideline XXX% HCLTV Lender approved exception was documented in file for XXX% HCLTV exception to XXX% for a rural investment property using the following compensating factors: Excellent credit history, appraised value and AVM exceeds purchase price, DTI > XXX% below program requirement and XXX months mortgage history. | Audited HLTV of XXX% exceeds Guideline XXX% HCLTV Lender approved exception was documented in file for XXX% HCLTV exception to XXX% for a rural investment property using the following compensating factors: Excellent credit history, appraised value and AVM exceeds purchase price, DTI > XXX% below program requirement and XXX months mortgage history. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| XXXXX | 92010196544 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/25/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline XXX% CLTV Lender approved exception was documented in file for XXX% CLTV exception to XXX% for a rural investment property using the following compensating factors: Excellent credit history, appraised value and AVM exceeds purchase price, DTI > XXX% below program requirement and XXX months mortgage history. | Audited CLTV of XXX% exceeds Guideline XXX% CLTV Lender approved exception was documented in file for XXX% CLTV exception to XXX% for a rural investment property using the following compensating factors: Excellent credit history, appraised value and AVM exceeds purchase price, DTI > XXX% below program requirement and XXX months mortgage history. | Audited CLTV of XXX% exceeds Guideline XXX% CLTV Lender approved exception was documented in file for XXX% CLTV exception to XXX% for a rural investment property using the following compensating factors: Excellent credit history, appraised value and AVM exceeds purchase price, DTI > XXX% below program requirement and XXX months mortgage history. | Audited CLTV of XXX% exceeds Guideline XXX% CLTV Lender approved exception was documented in file for XXX% CLTV exception to XXX% for a rural investment property using the following compensating factors: Excellent credit history, appraised value and AVM exceeds purchase price, DTI > XXX% below program requirement and XXX months mortgage history. | Audited CLTV of XXX% exceeds Guideline XXX% CLTV Lender approved exception was documented in file for XXX% CLTV exception to XXX% for a rural investment property using the following compensating factors: Excellent credit history, appraised value and AVM exceeds purchase price, DTI > XXX% below program requirement and XXX months mortgage history. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| XXXXX | 2509173945 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/26/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in (12 CFR ##_XXX_##(iii)(A)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in (12 CFR ##_XXX_##(iii)(A)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in (12 CFR ##_XXX_##(iii)(A)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant. Appraisal and escrow requirements met. | 12/01/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.21% is less than Guideline LTV of 62.21% Original LTV is Below the Guideline Maximum - Calculated LTV of 62.21% is less than Guideline LTV of 39.95% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| XXXXX | 2509173945 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/26/2025 | Resolved | finding-2502 | Compliance | XXX Nonprime Home Loan Test | This loan failed the XXX nonprime home loan test he loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Nonprime Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the XXX nonprime home loan test he loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Nonprime Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the XXX nonprime home loan test he loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Nonprime Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant. Appraisal and escrow requirements met. | 12/01/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 39.95% is less than Guideline LTV of 39.95% Original LTV is Below the Guideline Maximum - Calculated LTV of 39.95% is less than Guideline LTV of 39.95% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| XXXXX | 2509173945 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated LTV of 39.95% is less than Guideline LTV of 39.95% Original LTV is Below the Guideline Maximum - Calculated LTV of 39.95% is less than Guideline LTV of 39.95% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| XXXXX | 2509173945 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated LTV of 39.95% is less than Guideline LTV of 39.95% Original LTV is Below the Guideline Maximum - Calculated LTV of 39.95% is less than Guideline LTV of 39.95% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| XXXXX | 2509173945 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/01/2025 | Acknowledged | FCRE3843 | Credit | Guideline Seasoning not Met | Lender exception on pg XXX for XXX months seasoning on a rate and term refi for an ITIN loan. Guidelines require XXX months ownership, but both borrowers have resided in the property for over XXX months. Guideline seasoning requirement has not been met. | Lender exception on pg XXX for XXX months seasoning on a rate and term refi for an ITIN loan. Guidelines require XXX months ownership, but both borrowers have resided in the property for over XXX months. Guideline seasoning requirement has not been met. | Lender exception on pg XXX for XXX months seasoning on a rate and term refi for an ITIN loan. Guidelines require XXX months ownership, but both borrowers have resided in the property for over XXX months. Guideline seasoning requirement has not been met. | Lender exception on pg XXX for XXX months seasoning on a rate and term refi for an ITIN loan. Guidelines require XXX months ownership, but both borrowers have resided in the property for over XXX months. Guideline seasoning requirement has not been met. | Lender exception on pg XXX for XXX months seasoning on a rate and term refi for an ITIN loan. Guidelines require XXX months ownership, but both borrowers have resided in the property for over XXX months. Guideline seasoning requirement has not been met. | Original CLTV is Below the Guideline Maximum - Calculated LTV of 39.95% is less than Guideline LTV of 39.95% Original LTV is Below the Guideline Maximum - Calculated LTV of 39.95% is less than Guideline LTV of 39.95% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| XXXXX | 92010196836 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/01/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX. | Document Uploaded. | 12/5/2025 | Evidence of eConsent is provided. | 12/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92010196836 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Provide XXX | Document Uploaded. | 12/5/2025 | Approval/Underwriting Summary is fully present; XXX provided. | 12/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92010196836 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/01/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in (12 CFR ##_XXX_##(iii)(A)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in (12 CFR ##_XXX_##(iii)(A)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in (12 CFR ##_XXX_##(iii)(A)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant. Appraisal and escrow requirements met. | 12/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92010196836 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 92010196166 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/01/2025 | Resolved | FCOM1207 | Compliance | The Note is Not Executed | The Note is Not Executed The Note Provided is not Executed. Please provided Executed Note. | Document Uploaded. | 12/5/2025 | The Note is Executed; Executed Note Provided. | 12/10/2025 | 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 | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 92010196166 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/01/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide e-signature dated on or before XX/XX/XXXX. | Document Uploaded. | 12/5/2025 | Evidence of eConsent is provided. | 12/10/2025 | 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 | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 92010196166 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/03/2025 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. | Document Uploaded. | 12/9/2025 | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided.; Client provided policy dated XX/XX/XXXX to XX/XX/XXXX. Pending review. | 12/10/2025 | 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 | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 92010196166 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | 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 | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 92400195020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/01/2025 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Provide the Homeownership Counseling Disclosure and evidence it was sent to the borrower within XXX business days of application XXX/XXX/XXX. | Document Uploaded. | 12/8/2025 | Homeownership Counseling Disclosure Is Present or Not Applicable | 12/09/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 39.95% is less than Guideline CLTV of 39.95% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.95% is less than Guideline CCLTV of 39.95% D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| XXXXX | 92400195020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/01/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure and proof sent to the borrower within XXX business days of application XX/XX/XXXX or evidence Infinity Equity Group has no affiliates. | Document Uploaded. | 12/8/2025 | Required Affiliated Business Disclosure Documentation Provided | 12/09/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original LTV is Below the Guideline Maximum - Calculated CLTV of 44.35% is less than Guideline CLTV of 44.35% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 44.35% is less than Guideline CCLTV of 44.35% D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| XXXXX | 92400195020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Missing gap credit report, as required by guidelines, dated XX/XX/XXXX. | Document Uploaded. | 12/8/2025 | Borrower 1 Gap Credit Report is not missing.; Client provided refresh report XX/XX/XXXX. | 12/09/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original LTV is Below the Guideline Maximum - Calculated CLTV of 44.35% is less than Guideline CLTV of 44.35% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 44.35% is less than Guideline CCLTV of 44.35% D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| XXXXX | 92400195020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | FCRE5783 | Credit | Borrower 2 Gap Credit Report is Missing | Borrower 2 Gap Credit Report is Missing Missing gap credit report, as required by guidelines, dated XX/XX/XXXX. | Document Uploaded. | 12/8/2025 | Borrower 2 Gap Credit Report is not missing. | 12/09/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original LTV is Below the Guideline Maximum - Calculated CLTV of 44.35% is less than Guideline CLTV of 44.35% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 44.35% is less than Guideline CCLTV of 44.35% D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| XXXXX | 92400195020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/03/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease 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 (12 CFR ##_XXX_##(iii)(A)) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the CDA fee added to the final CD XX/XX/XXXX. The COC is dated XX/XX/XXXX, but the report is dated XX/XX/XXXX and the lender approval XX/XX/XXXX has the condition. The fee was added more than XXX business days after the condition was added. | Document Uploaded. | 12/8/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 12/08/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original LTV is Below the Guideline Maximum - Calculated CLTV of 44.35% is less than Guideline CLTV of 44.35% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 44.35% is less than Guideline CCLTV of 44.35% D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| XXXXX | 92400195020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original LTV is Below the Guideline Maximum - Calculated CLTV of 44.35% is less than Guideline CLTV of 44.35% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 44.35% is less than Guideline CCLTV of 44.35% D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| XXXXX | 92400195559 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/03/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (##KP## | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. ((12 CFR ##_XXX_##(iii)(A)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. | Document Uploaded. | 12/8/2025 | Evidence of appraisal delivery provided. | 12/09/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.35% is less than Guideline LTV of 44.35% Original LTV is Below the Guideline Maximum - Calculated LTV of 44.35% is less than Guideline LTV of 45% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 92400195559 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | FCRE7805 | Credit | Missing Income - Bank Statements | The loan file contains XXX months Statements for XXX account for months XXX - XXX. The Lender worksheet indicates both XXX balances were captured from a Statement dated through XXX. Require additional month for XXX XXX Statement due to guidelines for Asset Utilization require XXX months seasoning. | Document Uploaded. | 12/8/2025 | Client provided XXX Statement XX/XX/XXXX - XX/XX/XXXX. | 12/09/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated LTV of 45% is less than Guideline LTV of 45% Original LTV is Below the Guideline Maximum - Calculated LTV of 45% is less than Guideline LTV of 45% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| XXXXX | 92010196394 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  |  | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 45% is less than Guideline LTV of 55% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45% is less than Guideline CLTV of 55% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| XXXXX | 92010196394 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 60% Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 60% is less than Guideline CCLTV of 60% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| XXXXX | 92010196394 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 60% Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 60% is less than Guideline CCLTV of 60% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| XXXXX | 92010196394 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Acknowledged | FCRE1236 | Credit | Occupancy Not Allowed | Lender approved exception was documented in file for XXX for XXX using the following compensating factors: XXX months reserves greater than program requirement, Borrowers' contribution exceeds requirements by =>XXX%, FICO above the minimum by XXX points or higher, High Discretionary income, XXX Years in current job and VOR XXX in XXX months. | Lender approved exception was documented in file for XXX for XXX using the following compensating factors: XXX months reserves greater than program requirement, Borrowers' contribution exceeds requirements by =>XXX%, FICO above the minimum by XXX points or higher, High Discretionary income, XXX Years in current job and VOR XXX in XXX months. | Lender approved exception was documented in file for XXX for XXX using the following compensating factors: XXX months reserves greater than program requirement, Borrowers' contribution exceeds requirements by =>XXX%, FICO above the minimum by XXX points or higher, High Discretionary income, XXX Years in current job and VOR XXX in XXX months. | Lender approved exception was documented in file for XXX for XXX using the following compensating factors: XXX months reserves greater than program requirement, Borrowers' contribution exceeds requirements by =>XXX%, FICO above the minimum by XXX points or higher, High Discretionary income, XXX Years in current job and VOR XXX in XXX months. | Lender approved exception was documented in file for XXX for XXX using the following compensating factors: XXX months reserves greater than program requirement, Borrowers' contribution exceeds requirements by =>XXX%, FICO above the minimum by XXX points or higher, High Discretionary income, XXX Years in current job and VOR XXX in XXX months. | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 60% Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 60% is less than Guideline CCLTV of 60% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| XXXXX | 92300196717 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300196717 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300196717 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92010196966 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92010196966 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92010196966 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2510179382 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/09/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in (12 CFR ##_XXX_##(iii)(A)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Taxes and insurance escrowed, borrower received copy of appraisal | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in (12 CFR ##_XXX_##(iii)(A)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Taxes and insurance escrowed, borrower received copy of appraisal | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in (12 CFR ##_XXX_##(iii)(A)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Taxes and insurance escrowed, borrower received copy of appraisal | HPML compliant. Appraisal and escrow requirements met. | 12/10/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2510179382 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2510179382 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2511181468 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 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 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 60% Original LTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 60% Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2511181468 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 60% Original LTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 60% Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2511181468 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 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 Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 60% Original LTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 60% Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2510179429 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline LTV of 60% Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 40% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| XXXXX | 2510179429 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Acknowledged | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided within XXX% Tolerance |  | Lower value used for LTV calcuations. Downgraded | 12/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 40% Original LTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 40% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| XXXXX | 2510179429 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 40% Original LTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 40% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| XXXXX | 2511181971 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/15/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in (12 CFR ##_XXX_##(iii)(A)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in (12 CFR ##_XXX_##(iii)(A)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in (12 CFR ##_XXX_##(iii)(A)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. | HPML compliant. Appraisal and escrow requirements met. | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 40% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40% is less than Guideline CLTV of 40% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2511181971 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/15/2025 | Resolved | finding-2623 | Compliance | XXX XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. | This loan failed the XXX higher-priced mortgage loan test. (XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. | This loan failed the XXX higher-priced mortgage loan test. (XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. | HPML compliant. Appraisal and escrow requirements met. | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 40% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40% is less than Guideline CLTV of 40% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2511181971 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 40% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40% is less than Guideline CLTV of 40% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2511181971 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 40% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40% is less than Guideline CLTV of 40% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2510177314 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/15/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease 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 (12 CFR ##_XXX_##(iii)(A)) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the initial LE not being received within XXX days of the application (XXX). If initial LE is provided it may resolve the zero tolerance violation. | Document Uploaded. LE attached. | 12/18/2025 | Received Initial LE; Received Initial LE | 12/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 2510177314 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/15/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. ((12 CFR ##_XXX_##(iii)(A))]] The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The XXX% tolerance violation is due to the initial LE not being received within XXX days of the application (XXX). If the initial LE is provided it may resolve the XXX% tolerance violation. | Document Uploaded. initial LE attached. | 12/18/2025 | Received Initial LE; Received Initial LE | 12/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 2510177314 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/15/2025 | Resolved | finding-3515 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: [[(12 CFR ##_XXX_##(iii)(A))]] The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application. Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure. This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation Required: The file is missing the Initial LE dated within XXX business days of application. | Document Uploaded. Initial LE dated XX/XX/XXXX attached. | 12/18/2025 | Received Initial LE; Received Initial LE | 12/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 2510177314 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/16/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (##KP## | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (##XXX##. Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. | Document Uploaded. email delivery of apprsl shows XX/XX/XXXX delivery date to borrower. attached is confirmation. | 12/18/2025 | Evidence of appraisal delivery provided.; Received appraisal delivery receipt | 12/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 2510177314 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | No property findings. Property and valuations related findings were not identified on the loan. | No property findings. Property and valuations related findings were not identified on the loan. |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 2510177314 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. | No credit findings. The loan meets all applicable credit guidelines. |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 2511180209 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline CLTV of 40% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40% is less than Guideline CCLTV of 40% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2511180209 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.21% is less than Guideline LTV of 48.21% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.21% is less than Guideline CLTV of 48.21% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2511180209 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.21% is less than Guideline LTV of 48.21% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.21% is less than Guideline CLTV of 48.21% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2510176162 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/16/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to ##XXX## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The Lender credit decrease violation in the amount of XXX is due to the decrease of the Lender credit from XXX on the LE dated XX/XX/XXXX to XXX without valid COC. COC dated XX/XX/XXXX indicates Lender credit decreased; however, change was not re-disclosed until XX/XX/XXXX. | Document Uploaded. Hi, that date is in Error. Please see correct COC. | 12/22/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 12/23/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original CLTV is Below the Guideline Maximum - Calculated LTV of 48.21% is less than Guideline LTV of 48.21% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of 48.21% is less than Guideline LTV of 48.21% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 2510176162 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original CLTV is Below the Guideline Maximum - Calculated LTV of 48.21% is less than Guideline LTV of 48.21% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of 48.21% is less than Guideline LTV of 48.21% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 2510176162 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original CLTV is Below the Guideline Maximum - Calculated LTV of 48.21% is less than Guideline LTV of 48.21% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of 48.21% is less than Guideline LTV of 48.21% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 2508172277 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.21% is less than Guideline CLTV of 48.21% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.21% is less than Guideline CCLTV of 48.21% Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2508172277 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.95% is less than Guideline LTV of 53.95% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.95% is less than Guideline CLTV of 53.95% Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2508172277 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.95% is less than Guideline LTV of 53.95% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.95% is less than Guideline CLTV of 53.95% Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2510179595 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in ##XXX## some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in ##XXX## some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in ##XXX## some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant. Appraisal and escrow requirements met. | 12/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. 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 |
| XXXXX | 2510179595 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. 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 |
| XXXXX | 2510179595 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. 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 |
| XXXXX | 2511182078 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/19/2025 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Please provide an updated hazard insurance with an effective date of XX/XX/XXXX. | Document Uploaded. Dry State funding | 12/24/2025 | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | 12/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.95% is less than Guideline LTV of 53.95% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.95% is less than Guideline CLTV of 53.95% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 2511182078 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant. Appraisal and escrow requirements met. | 12/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.95% is less than Guideline LTV of 53.95% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.95% is less than Guideline CLTV of 53.95% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 2511182078 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in ##XXX## some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in ##XXX## some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in ##XXX## some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant. Appraisal and escrow requirements met. | 12/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.95% is less than Guideline LTV of 53.95% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.95% is less than Guideline CLTV of 53.95% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 2511182078 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.95% is less than Guideline LTV of 53.95% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.95% is less than Guideline CLTV of 53.95% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 2511180575 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 |
| XXXXX | 2511180575 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 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 |
| XXXXX | 2511180575 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 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 |
| XXXXX | 2511180364 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in ##XXX## some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in ##XXX## some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in ##XXX## some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant. Appraisal and escrow requirements met. | 12/24/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 53.95% is less than Guideline CLTV of 53.95% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.95% is less than Guideline CCLTV of 53.95% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% 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 |
| XXXXX | 2511180364 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | No property findings. Property and valuations related findings were not identified on the loan. | No property findings. Property and valuations related findings were not identified on the loan. |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 58.33% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.33% is less than Guideline CLTV of 58.33% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% 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 |
| XXXXX | 2511180364 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. | No credit findings. The loan meets all applicable credit guidelines. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 58.33% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.33% is less than Guideline CLTV of 58.33% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% 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 |
| XXXXX | 2511181265 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/26/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in ##XXX## some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in ##XXX## some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in ##XXX## some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant. Appraisal and escrow requirements met. | 12/29/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2511181265 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2511181265 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300195376 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Page XXX of the XXX is Missing from the loan file. | Document Uploaded. | 10/20/2025 | Documentation is sufficient. Rider provided. Exception resolved.; The Deed of Trust is Present and Complete | 10/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 58.33% Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 58.33% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 92300195376 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 58.33% Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 58.33% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 92300195376 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 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 Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 58.33% Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 58.33% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 92300195455 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Personal property is included in the sales contract. Missing addendum for XXX value. Missing sales contract addendum for seller credit of XXX Per lender guidelines: Any personal property transferred with a property sale must be deemed to have zero transfer value, as indicated by the sales contract and the appraisal. If any value is associated with the personal property, the sales price and appraised value must be reduced by the personal property value for purposes of calculating the LTV/CLTV/HCLTV. | Document Uploaded. ; Document Uploaded. This addendum is | 10/16/2025 | Documentation is sufficient. Addendum provided. Exception resolved.; Purchase Contract Doc is complete. | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline CLTV of 58.33% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.33% is less than Guideline CCLTV of 58.33% A | A | A C B | A C B | A C B | A C B | A C B | A | A | A | A | A | A |
| XXXXX | 92300195455 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: All loan programs require a desk review. There is no evidence a desk review was completed on the full appraisal available in the loan file. | Document Uploaded. | 10/16/2025 | Documentation is sufficient. Desk Review provided. Exception resolved.; Property/Appraisal Meets Guidelines | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated CLTV of 41.44% is less than Guideline CLTV of 41.44% Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 41.44% is less than Guideline CCLTV of 41.44% A | A | A C B | A C B | A C B | A C B | A C B | A | A | A | A | A | A |
| XXXXX | 92300195455 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 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 Original LTV is Below the Guideline Maximum - Calculated CLTV of 41.44% is less than Guideline CLTV of 41.44% Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 41.44% is less than Guideline CCLTV of 41.44% A | A | A C B | A C B | A C B | A C B | A C B | A | A | A | A | A | A |
| XXXXX | 92300195499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Missing purchase contract addendum for seller credit/agent XXX | We do not need an addendum for this-is a wash, not a credit. | 10/10/2025 | Explanation provided is sufficient. Exception resolved.; Purchase Contract Doc is complete. | 10/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.44% is less than Guideline LTV of 41.44% Original LTV is Below the Guideline Maximum - Calculated LTV of 41.44% is less than Guideline CLTV of 49.14% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| XXXXX | 92300195499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 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 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.14% is less than Guideline CLTV of 49.14% Original LTV is Below the Guideline Maximum - Calculated CLTV of 49.14% is less than Guideline CLTV of 49.14% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| XXXXX | 92300195499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 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 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.14% is less than Guideline CLTV of 49.14% Original LTV is Below the Guideline Maximum - Calculated CLTV of 49.14% is less than Guideline CLTV of 49.14% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| XXXXX | 92300195476 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300195476 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300195476 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300195471 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.14% is less than Guideline LTV of 49.14% Original LTV is Below the Guideline Maximum - Calculated LTV of 49.14% is less than Guideline ##NR## A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300195471 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300195471 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300188277 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300188277 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300188277 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |

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## Exhibit 99.5

**Exhibit 99.5**

 **Schedule 2 - Rating Agency Grades Summary Report**

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

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan ID** | **ALT Lon 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 | 2509175667 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2510176411 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2510176259 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2510176079 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2510176106 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2510179806 |  | $XXXXXX B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| XXXXX | 2511179965 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2511180131 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2508170399 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2510178087 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2510178316 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2510178348 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2510178996 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2510179849 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2511180371 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2510179503 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2511180062 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2510177824 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2508172209 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2510176489 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2510178244 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2510179087 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2511179916 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2511180110 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2511180335 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2511181167 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2511180518 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2511181190 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2511181105 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2511181338 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2506162245 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2509173145 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2509175729 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 2509175785 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300192713 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300193010 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92400191786 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010191532 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92400191489 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300192412 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010190058 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010189364 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010192517 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92400193627 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92400194720 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300196042 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300196039 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300195918 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92400195769 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92400196481 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300192417 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300196772 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92400191992 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92400191993 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300196666 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92400194838 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300196670 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92400194101 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010190595 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010193754 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010194244 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010194380 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010195176 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010195507 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010193085 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92400192533 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92400192537 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92400194695 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010194760 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010195251 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300196645 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300196869 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010194666 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010195685 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300196763 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300196669 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300196101 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010195581 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010195859 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010195549 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92400195849 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92400196362 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300196823 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010195735 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010194991 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010194909 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010195650 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300196205 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010194277 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010195326 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010196563 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92400197014 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92400195540 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010194374 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010196407 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300196649 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300196793 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010189736 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010196322 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010195244 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010196450 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010196476 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300195999 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92010196104 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300192710 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40010358 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40010382 |  | $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 | 40012180 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012117 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012200 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012434 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012463 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40011213 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40011937 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| XXXXX | 40012004 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012077 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012079 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012087 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012108 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012241 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012264 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012265 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012324 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012395 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012396 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012400 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012414 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012480 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012521 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40010843 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40011182 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40011435 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012158 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012289 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012333 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012347 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012369 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012370 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012371 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012372 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012373 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012374 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012376 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012378 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012379 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012394 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012449 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012452 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012453 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012472 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012555 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012556 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012557 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012559 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012560 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012563 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012577 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012622 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012753 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012806 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012233 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012267 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012272 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012375 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012433 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012543 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012549 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012581 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012635 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012650 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| XXXXX | 40012690 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012739 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012795 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012809 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| XXXXX | 40012191 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012574 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012588 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012684 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012708 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012722 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012744 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012745 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012765 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012859 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012870 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012871 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012872 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012896 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 40012947 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 92300177511 |  | $XXXXXX B | A | A | A | A | A B | A | A | A | A | A B |
| XXXXX | 92400186210 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300189334 |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A B |
| XXXXX | 92300192006 |  | $XXXXXX C | C | C | C | C | C A | A | A | A | A | A |
| XXXXX | 2508172069 |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| XXXXX | 92300182307 |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| XXXXX | 92300192817 |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| XXXXX | 92300191269 |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| XXXXX | 92010190257 |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| XXXXX | 92010192732 |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| XXXXX | 92400192894 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92400192638 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300189333 |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXX | 92400192311 |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| XXXXX | 92400191599 |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| XXXXX | 92300192874 |  | $XXXXXX C | A | A | A | A | A D | A | A | A | A | A |
| XXXXX | 2509175821 |  | $XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| XXXXX | 92010192530 |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| XXXXX | 92300196128 |  | $XXXXXX B | D | D | D | D | D A | A | A | A | A | A |
| XXXXX | 92300196123 |  | $XXXXXX B | A | A | A | A | A B | A | A | A | A | A |
| XXXXX | 2509174254 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300196047 |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| XXXXX | 2508169949 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2509175502 |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| XXXXX | 92400194964 |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| XXXXX | 2509174530 |  | $XXXXXX A | D | D | D | D | D A | B | B | B | B | B A |
| XXXXX | 2509175217 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92400194744 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300196744 |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| XXXXX | 2509175260 |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| XXXXX | 92400195752 |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| XXXXX | 2510176056 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300196065 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92010194965 |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| XXXXX | 92010193098 |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| XXXXX | 92010194267 |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| XXXXX | 92010194959 |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| XXXXX | 92010196234 |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| XXXXX | 92010195057 |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| XXXXX | 92010194825 |  | $XXXXXX C | B | B | B | B | B A C | A | A | A | A | A |
| XXXXX | 92300196049 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 90140190300 |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXX | 92400195137 |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| XXXXX | 92300196463 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92010195548 |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| XXXXX | 92300196667 |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXX | 92400195609 |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| XXXXX | 92400196122 |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXX | 92400195558 |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| XXXXX | 92300196806 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92010195032 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92400196868 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300196565 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92400196727 |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| XXXXX | 92400196467 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92010196345 |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXX | 92400193800 |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXX | 92300197004 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300196632 |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| XXXXX | 92300196473 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92010192015 |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| XXXXX | 92400195723 |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| XXXXX | 92010196544 |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| XXXXX | 2509173945 |  | $XXXXXX B | A | A | A | A | A B | A | A | A | A | A B |
| XXXXX | 92010196836 |  | $XXXXXX B | B | B | B | B | B A | A | A | A | A | A |
| XXXXX | 92010196166 |  | $XXXXXX C | C | C | C | C | C A | A | A | A | A | A |
| XXXXX | 92400195020 |  | $XXXXXX D | C | C | C | C | C A D | B | B | B | B | B A |
| XXXXX | 92400195559 |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| XXXXX | 92010196394 |  | $XXXXXX B | A | A | A | A | A B | A | A | A | A | A B |
| XXXXX | 92300196717 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92010196966 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2510179382 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2511181468 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2510179429 |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A B |
| XXXXX | 2511181971 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2510177314 |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| XXXXX | 2511180209 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2510176162 |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| XXXXX | 2508172277 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2510179595 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2511182078 |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| XXXXX | 2511180575 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2511180364 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 2511181265 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300195376 | XXXXX | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXX | 92300195455 | XXXXX | $XXXXXX B | A | A | A | A | A C | A | A | A | A | A |
| XXXXX | 92300195476 | XXXXX | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300195471 | XXXXX | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 92300195499 | XXXXX | $XXXXXX B | A | A | A | A | A B | A | A | A | A | A |
| XXXXX | 92300188277 | XXXXX | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.5

**Exhibit 99.5**

 **Schedule 3 - Valuations Summary Report**

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

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **ALT Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXXX | 2509175667 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 2510176411 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| XXXXX | 2510176259 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 55.05% | 55.05% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | XXX |  |  | Eligible | 1 |  |
| XXXXX | 2510176079 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| XXXXX | 2510176106 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| XXXXX | 2510179806 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 2511179965 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 2511180131 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 2508170399 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -3.45% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | XXX |  |  | Eligible | 2.3 |  |
| XXXXX | 2510178087 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 59.20% | 59.20% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| XXXXX | 2510178316 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| XXXXX | 2510178348 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.70% | 60.70% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 2510178996 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| XXXXX | 2510179849 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 74.54% | 74.54% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 2511180371 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 2510179503 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| XXXXX | 2511180062 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| XXXXX | 2510177824 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 2508172209 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 2510176489 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 2510178244 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 79.09% | 79.09% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| XXXXX | 2510179087 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 68.92% | 68.92% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.14% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 2511179916 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 2511180110 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 2511180335 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 67.04% | 67.04% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| XXXXX | 2511181167 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| XXXXX | 2511180518 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | XXX |  |  | Eligible | 2.4 |  |
| XXXXX | 2511181190 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 49.69% | 49.69% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 2511181105 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 2511181338 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 2506162245 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 56.95% | 56.95% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 2509173145 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 2509175729 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| XXXXX | 2509175785 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 52.50% | 52.50% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| XXXXX | 92300192713 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 26.60% | 26.60% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92300193010 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 | $XXX | 70.00% | 70.00% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| XXXXX | 92400191786 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 80.00% | 80.00% | $XXX | $XXX | -$0.02 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -2.42% | 0.88 | 0.12 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Not Eligible |  |  |
| XXXXX | 92010191532 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 71A | $XXX | 75.00% | 75.00% | $XXX | $XXX | $0.02 | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 2.17% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92400191489 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 70.00% | 70.00% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92300192412 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Narrative | $XXX | 55.00% | 55.00% | $XXX | $XXX | $0.02 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 2.31% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92010190058 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 70.00% | 70.00% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92010189364 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 71A | $XXX | 65.00% | 65.00% | $XXX | $XXX | $0.00 | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92010192517 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 50.52% | 50.52% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92400193627 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 69.92% | 69.92% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92400194720 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92300196042 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 70.00% | 70.00% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92300196039 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 70.00% | 70.00% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92300195918 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 78.40% | 78.40% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| XXXXX | 92400195769 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 63.28% | 63.28% | $XXX | $XXX | -$0.05 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -5.21% | 0.97 | 0.03 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| XXXXX | 92400196481 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 54.10% | 54.10% | $XXX | $XXX | $0.00 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.15% | 0.91 | 0.09 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| XXXXX | 92300192417 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 | $XXX | 35.00% | 35.00% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92300196772 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92400191992 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| XXXXX | 92400191993 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| XXXXX | 92300196666 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92400194838 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% | $XXX | $XXX | $0.01 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.84% | 0.96 | 0.04 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92300196670 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92400194101 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 60.00% | 60.00% | $XXX | $XXX | -$0.01 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -1.38% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92010190595 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| XXXXX | 92010193754 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 34.69% | 34.69% | $XXX | $XXX | -$0.01 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.56% | 0.93 | 0.07 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92010194244 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 56.36% | 56.36% | $XXX | $XXX | $0.07 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 7.15% | 0.77 | 0.23 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92010194380 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% | $XXX | $XXX | -$0.05 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -4.56% | 0.97 | 0.03 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92010195176 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  | AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92010195507 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 60.37% | 60.37% | $XXX | $XXX |  | AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92010193085 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 80.00% | 80.00% | $XXX | $XXX | $0.02 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 2.07% | 0.9 | 0.1 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXXX | 92400192533 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 70.00% | 70.00% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92400192537 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 70.00% | 70.00% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92400194695 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 71A | $XXX | 46.81% | 46.81% | $XXX | $XXX | -$0.01 | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.77% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92010194760 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 71A | $XXX | 65.00% | 65.00% | $XXX | $XXX | $0.00 | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92010195251 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 57.09% | 57.09% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92300196645 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| XXXXX | 92300196869 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92010194666 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| XXXXX | 92010195685 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| XXXXX | 92300196763 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92300196669 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92300196101 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 22.90% | 22.90% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92010195581 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 54.41% | 54.41% | $XXX | $XXX | -$0.09 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -9.26% | 0.86 | 0.14 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92010195859 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% | $XXX | $XXX | $0.04 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 3.79% | 0.97 | 0.03 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92010195549 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| XXXXX | 92400195849 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXXX | 92400196362 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92300196823 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 60.00% | 60.00% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92010195735 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 60.61% | 60.61% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Eligible | 1.1 |  |
| XXXXX | 92010194991 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92010194909 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92010195650 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 80.00% | 80.00% | $XXX | $XXX | $0.05 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 5.42% | 0.95 | 0.05 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92300196205 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 63.91% | 63.91% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92010194277 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 63.94% | 63.94% | $XXX | $XXX | $0.06 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 6.28% | 0.88 | 0.12 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92010195326 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 27.30% | 27.30% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Not Eligible | 2.8 |  |
| XXXXX | 92010196563 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92400197014 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% | $XXX | $XXX | $0.04 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 3.79% | 0.87 | 0.13 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92400195540 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 57.69% | 57.69% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| XXXXX | 92010194374 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 54.26% | 54.26% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92010196407 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 65.00% | 65.00% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92300196649 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| XXXXX | 92300196793 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92010189736 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 | $XXX | 67.84% | 67.84% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Eligible | 1 |  |
| XXXXX | 92010196322 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 63.74% | 63.74% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92010195244 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 80.00% | 80.00% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92010196450 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 | $XXX | 54.76% | 54.76% | $XXX | $XXX | $0.02 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 1.86% | 0.85 | 0.15 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92010196476 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92300195999 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% | $XXX | $XXX | $0.00 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Not Eligible |  |  |
| XXXXX | 92010196104 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% | $XXX | $XXX | -$0.02 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -1.67% | 0.94 | 0.06 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92300192710 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 27.54% | 27.54% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 40010358 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 69.00% | 69.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40010382 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -2.92% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012180 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012117 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012200 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012434 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -2.46% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012463 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40011213 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 56.00% | 56.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40011937 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012004 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012077 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 64.30% | 64.30% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -1.85% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012079 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012087 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 58.00% | 58.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012108 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012241 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012264 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012265 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012324 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012395 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012396 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.85% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012400 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.85% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012414 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012480 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -6.98% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012521 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40010843 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40011182 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40011435 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012158 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.76% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012289 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012333 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012347 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012369 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012370 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012371 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012372 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012373 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012374 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012376 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012378 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012379 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012394 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012449 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 69.95% | 69.95% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -4.89% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012452 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012453 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -2.78% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012472 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012555 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012556 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 74.00% | 74.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012557 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 74.00% | 74.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012559 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 74.00% | 74.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012560 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 74.00% | 74.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012563 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012577 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -2.65% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012622 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 74.00% | 74.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012753 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012806 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012233 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012267 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012272 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012375 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012433 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012543 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012549 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012581 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012635 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 58.00% | 58.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -4.58% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012650 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012690 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012739 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 39.90% | 39.90% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012795 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 53.30% | 53.30% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012809 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012191 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 69.00% | 69.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012574 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012588 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 63.50% | 63.50% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012684 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012708 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 74.00% | 74.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012722 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 56.00% | 56.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.42% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012744 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 61.00% | 61.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 3.01% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012745 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 3.24% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012765 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 64.00% | 64.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 6.89% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012859 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012870 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012871 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012872 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012896 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.26% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 40012947 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 92300177511 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92400186210 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXXX | 92300189334 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.25% | 47.25% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| XXXXX | 92300192006 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| XXXXX | 2508172069 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92300182307 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.81% | 63.81% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| XXXXX | 92300192817 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.99% | 69.99% |  |  |  |  | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| XXXXX | 92300191269 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| XXXXX | 92010190257 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | $0.01 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 1.42% | 96 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 92010192732 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| XXXXX | 92400192894 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.89% | 78.89% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 7.33% | 88 | 0.12 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| XXXXX | 92400192638 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.22% | 53.22% | $XXX | $XXX | $0.01 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.75% | 88 | 0.12 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 92300189333 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| XXXXX | 92400192311 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% | $XXX | $XXX | -$0.02 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -2.36% | 86 | 0.14 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 92400191599 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| XXXXX | 92300192874 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 67.35% | 67.35% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| XXXXX | 2509175821 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| XXXXX | 92010192530 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.70% | 52.70% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| XXXXX | 92300196128 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.53% | 76.53% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 92300196123 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | $0.04 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 3.59% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 2509174254 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXXX | 92300196047 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 2508169949 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.37% | 78.37% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| XXXXX | 2509175502 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 92400194964 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| XXXXX | 2509174530 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.28% | 73.28% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| XXXXX | 2509175217 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  | XXX | XXX | 10.34% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92400194744 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | $0.16 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 15.73% | 84 | 0.16 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 92300196744 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.84% | 77.84% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 2509175260 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.95% | 71.95% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92400195752 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | -$0.04 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -3.50% | 97 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 2510176056 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 92300196065 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.99% | 69.99% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| XXXXX | 92010194965 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | $0.01 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.92% | 91 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 92010193098 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.00% | 80.00% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -4.87% | 92 | 0.08 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92010194267 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.79% | 54.79% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| XXXXX | 92010194959 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | -$0.04 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -3.73% | 93 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| XXXXX | 92010196234 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| XXXXX | 92010195057 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 92010194825 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | $XXX | $XXX | $0.09 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 9.48% | 90 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 92300196049 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.39% | 64.39% |  |  |  |  |  |  |  |  | XXX | XXX | 4.09% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| XXXXX | 90140190300 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 43.76% | 43.76% | $XXX | $XXX | -$0.04 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -3.85% | 98 | 0.02 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXXX | 92400195137 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.06% | 47.06% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 9.04% | 85 | 0.15 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXXX | 92300196463 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| XXXXX | 92010195548 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXXX | 92300196667 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.62% | 79.62% |  |  |  |  | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92400195609 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | -$0.03 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -2.54% | 96 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| XXXXX | 92400196122 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.15% | 76.15% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 92400195558 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | $XXX | $XXX | $0.15 | Desk Review |  |  |  |  | XXX | XXX | 15.29% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | 15.29% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| XXXXX | 92300196806 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.20% | 74.20% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 92010195032 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.90% | 78.90% | $XXX | $XXX | $0.00 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.44% | 91 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| XXXXX | 92400196868 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.00% | 65.00% | $XXX | $XXX | $0.00 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.40% | 96 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| XXXXX | 92300196565 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| XXXXX | 92400196727 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -5.74% | 91 | 0.09 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92400196467 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | -$0.02 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -1.90% | 94 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| XXXXX | 92010196345 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | -$0.02 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -1.98% | 93 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| XXXXX | 92400193800 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.58% | 61.58% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 2.98% | 83 | 0.17 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92300197004 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 38.36% | 38.36% |  |  |  |  | $XXX | $XXX | -$0.03 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -2.67% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 92300196632 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.00% | 65.00% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXXX | 92300196473 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.00% | 80.00% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| XXXXX | 92010192015 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 92400195723 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.07% | 58.07% | $XXX | $XXX | -$0.07 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -7.22% | 93 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| XXXXX | 92010196544 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 7.31% | 95 | 0.05 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| XXXXX | 2509173945 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.21% | 62.21% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 92010196836 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -1.47% | 97 | 0.03 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| XXXXX | 92010196166 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.19% | 79.19% | $XXX | $XXX | -$0.02 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -1.64% | 97 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 92400195020 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 39.95% | 39.95% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| XXXXX | 92400195559 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 44.35% | 44.35% | $XXX | $XXX | -$0.18 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -18.34% | 85 | 0.15 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| XXXXX | 92010196394 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 45.00% | 45.00% | $XXX | $XXX | $0.05 | 1004 URAR |  |  |  |  | XXX | XXX | 5.00% | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | 6.54% | 66 | 0.34 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 92300196717 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 92010196966 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.00% | 65.00% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| XXXXX | 2510179382 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 2511181468 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 2510179429 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.00% | 60.00% | $XXX | $XXX | -$0.20 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -20.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| XXXXX | 2511181971 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 2510177314 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.24% | 77.24% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| XXXXX | 2511180209 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 40.00% | 40.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 2510176162 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 2508172277 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.21% | 48.21% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 2510179595 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 2511182078 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 2511180575 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.78% | 48.78% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| XXXXX | 2511180364 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.95% | 53.95% | $XXX | $XXX | -$0.09 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -9.09% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| XXXXX | 2511181265 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92300195376 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | $XXX | $XXX | $0.00 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92300195455 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.33% | 58.33% |  |  |  |  | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92300195476 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | $XXX | $XXX | $0.00 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 92300195471 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 49.14% | 49.14% | $XXX | $XXX | $0.00 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| XXXXX | 92300195499 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 41.44% | 41.44% | $XXX | $XXX | $0.00 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| XXXXX | 92300188277 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | $0.00 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |

---

## Exhibit 99.5

**Exhibit 99.5**

 **Schedule 4 - Data Compare Report**

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **ALT Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXX | 2509175667 |  | DSCR | XXX | XXX | XXX Rents / XXX = XXX DSCR |
| XXXXX | 2510176079 |  | PITIA | XXX | XXX | PITIA is XXX |
| XXXXX | 2511180131 |  | PITIA | XXX | XXX | PITIA is XXX |
| XXXXX | 2510178087 |  | PITIA | XXX | XXX | PITIA is XXX including HOA |
| XXXXX | 2510178348 |  | PITIA | XXX | XXX | PITIA is XXX including HOA |
| XXXXX | 2511180371 |  | PITIA | XXX | XXX | PITIA is XXX including HOA |
| XXXXX | 2510179503 |  | Qualifying FICO | XXX | XXX | XXX is descision score of the borrower with the highest ownership %. |
| XXXXX | 2511180062 |  | P&I | XXX | XXX | Per Note, P&I is XXX |
| XXXXX | 2511180062 |  | Monthly Taxes | XXX | XXX | $XXX/ month City Property Tax |
| XXXXX | 2511180062 |  | DSCR | XXX | XXX | XXX Market rents / XXX PITIA = XXX DSCR |
| XXXXX | 2511180110 |  | DSCR | XXX | XXX | XXX rent per XXX / XXX PITIA = XXX DSCR |
| XXXXX | 2511180518 |  | PITIA | XXX | XXX | PITIA is XXX |
| XXXXX | 2506162245 |  | P&I | XXX | XXX | P&I is XXX |
| XXXXX | 2506162245 |  | PITIA | XXX | XXX | XXX P&I + XXX Insurance + XXX Tax + XXX HOA = XXX PITIA |
| XXXXX | 2509173145 |  | DSCR | XXX | XXX | LTV 70% and tenant occupied - Using lease rents of XXX |
| XXXXX | 2509175785 |  | Interest Only Term | 120 | 0 | Note dated XX/XX/XXXX reflects Interest Only Term of XXX months |
| XXXXX | 2509175785 |  | PITIA | XXX | XXX | XXX P&I + XXX TIA |
| XXXXX | 92300192713 |  | Co Borrower First Name | XXX |  | CO-BORROWER |
| XXXXX | 92300192713 |  | Co Borrower Last Name | XXXXX |  | CO-BORROWER |
| XXXXX | 92300192713 |  | DSCR | XXX | XXX | XXX / XXX PITIA = XXX DSCR |
| XXXXX | 92300192713 |  | T & I Payment | XXX | XXX | XXX Insurance + XXX Tax = XXX T&I |
| XXXXX | 92300192713 |  | Prepayment Penalty |  |  | No PPP per Note & CD |
| XXXXX | 92300193010 |  | T & I Payment | XXX | XXX | XXX Insurance + XXX Tax + XXX flood + XXX HOA= XXX T&I |
| XXXXX | 92400191489 |  | DSCR | XXX | XXX | XXX / XXX PITIA = XXX DSCR |
| XXXXX | 92300192412 |  | DSCR | XXX | XXX | XXX / XXX = XXX DSCR |
| XXXXX | 92300192412 |  | Escrows | 0-No Escrows | 4-Taxes and Insurance | Settlement Statement reflects no escrows |
| XXXXX | 92300195918 |  | Mo Pymt (P&I) | XXX | XXX | Note reflects XXX P&I |
| XXXXX | 92300196772 |  | Loan Purpose | 9-Refi No Cash Out |  | Blank tape |
| XXXXX | 92300196772 |  | DSCR | XXX | XXX | XXX Rent / XXX PITIA = XXX DSCR |
| XXXXX | 92300196772 |  | Mo Pymt (P&I) | XXX | XXX | Note reflects XXX P&I |
| XXXXX | 92400191993 |  | First Pymt Date | XX/XX/XXXX | XX/XX/XXXX | First payment date is XX/XX/XXXX |
| XXXXX | 92400191993 |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Maturity date is XX/XX/XXXX |
| XXXXX | 92300196666 |  | DSCR | XXX | XXX | XXX Rent / XXX PITIA = XXX DSCR |
| XXXXX | 92300196670 |  | Qualifying FICO | XXX |  | Blank Tape |
| XXXXX | 92400192533 |  | Escrows | 0-No Escrows | 4-Taxes and Insurance | NO ESCROWS |
| XXXXX | 92400192537 |  | Escrows | 0-No Escrows | 4-Taxes and Insurance | NO ESCROWS |
| XXXXX | 92400194695 |  | Co Borrower First Name | XXX |  | CO-BORROWER |
| XXXXX | 92400194695 |  | Co Borrower Last Name | XXXXX |  | CO-BORROWER |
| XXXXX | 92400194695 |  | DSCR | XXX | XXX | XXX Rent / XXX PITIA = XXX DSCR |
| XXXXX | 92400194695 |  | First Pymt Date | XX/XX/XXXX | XX/XX/XXXX | First payment date is XX/XX/XXXX |
| XXXXX | 92400194695 |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Maturity date is XX/XX/XXXX |
| XXXXX | 92300196645 |  | DSCR | XXX | XXX | XXX Rent / XXX PITIA = XXX DSCR |
| XXXXX | 92300196645 |  | T & I Payment | XXX | XXX | XXX Insurance + XXX Tax + XXX HOA = XXX T&I + HOA |
| XXXXX | 92300196869 |  | Prepayment Penalty | 12 | 36 | XXX MO PPP TERM |
| XXXXX | 92300196763 |  | DSCR | XXX | XXX | XXX Lease Rent / XXX PITIA = XXX DSCR |
| XXXXX | 92300196763 |  | Mo Pymt (P&I) | XXX | XXX | Note reflects P&I of XXX |
| XXXXX | 92300196763 |  | T & I Payment | XXX | XXX | XXX Ins + XXX Taxes = XXX |
| XXXXX | 92300196101 |  | Qualifying Value | XXX | XXX | As-is Value XXX |
| XXXXX | 92300196101 |  | DSCR | XXX | XXX | XXX Lease Rent / XXX PITIA = XXX DSCR |
| XXXXX | 92300196101 |  | T & I Payment | XXX | XXX | XXX Ins + XXX Taxes = XXX |
| XXXXX | 92400195849 |  | DSCR | XXX | XXX | XXX Rent / XXX PITIA = XXX DSCR |
| XXXXX | 92400195849 |  | T & I Payment | XXX | XXX | XXX Ins + XXX Taxes + XXX HOA= $XXXT&I |
| XXXXX | 92300196823 |  | Mo Pymt (P&I) | XXX | XXX | Note reflects P&I of XXX |
| XXXXX | 92010194909 |  | DSCR | XXX | XXX | XXX Rents / XXX PITIA = XXX DSCR |
| XXXXX | 92300196205 |  | DSCR | XXX | XXX | XXX Rent / XXX PITIA = XXX DSCR |
| XXXXX | 92300196205 |  | T & I Payment | XXX | XXX | XXX Taxes + XXX Insurance + XXX HOA = XXX |
| XXXXX | 92300196649 |  | DSCR | XXX | XXX | XXX Rent / XXX PITIA = XXX DSCR |
| XXXXX | 92300196649 |  | Mo Pymt (P&I) | XXX | XXX | Note reflects XXX |
| XXXXX | 92300196649 |  | T & I Payment | XXX | XXX | XXX Taxes + XXX Ins = XXX T&I |
| XXXXX | 92300196793 |  | DSCR | XXX | XXX | XXX Rent / XXX PITIS = XXX DSCR |
| XXXXX | 92300196793 |  | T & I Payment | XXX | XXX | XXX Taxes + XXX Hazard Insurance = XXX T&I |
| XXXXX | 92300195999 |  | Sales Price | XXX | XXX | refinance |
| XXXXX | 92300192710 |  | Co Borrower First Name | XXX |  | CO-BORROWER |
| XXXXX | 92300192710 |  | Co Borrower Last Name | XXXXX |  | CO-BORROWER |
| XXXXX | 92300192710 |  | DSCR | XXX | XXX | XXX / XXX PITIA = XXX DSCR |
| XXXXX | 92300192710 |  | Prepymt - May/Will Not Penalty | No | Yes | No PPP per Note & CD |
| XXXXX | 92300192710 |  | Prepayment Penalty |  | 36 | No PPP per Note & CD |
| XXXXX | 92300177511 |  | Property Value | XXX | XXX | Per appraisal |
| XXXXX | 92300177511 |  | Qualifying All Borrower Residual Income | XXX | XXX | Per income less all debts |
| XXXXX | 92400186210 |  | MIN No | XXX | XXX | Security Instrument |
| XXXXX | 92400186210 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Assets |
| XXXXX | 92400186210 |  | Qualifying All Borrower Residual Income | XXX | XXX | Income and liabilities |
| XXXXX | 92300189334 |  | Property Value | XXX | XXX | Verified to appraised value |
| XXXXX | 92300189334 |  | MIN No | XXX | XXX | Verified to Deed |
| XXXXX | 92300189334 |  | Verified Doc Type | Retirement Income Doc Verified | 2YR Full Doc | Verified to income docs and Loan approval |
| XXXXX | 92300189334 |  | Qualifying CLTV | 47.25 | 58.15 | Verified to Loan approval |
| XXXXX | 92300189334 |  | Qualifying LTV | 47.25 | 58.15 | Verified to Loan approval |
| XXXXX | 92300189334 |  | Qualifying All Borrower Residual Income | XXX | XXX | Based on verified income and total debts |
| XXXXX | 92300192006 |  | Property Value | XXX | XXX | Using Purchase price as property value since it is lower than the appraised value |
| XXXXX | 92300192006 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per disclosure tracking details application date is XX/XX/XXXX |
| XXXXX | 92300192006 |  | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly income less all debts |
| XXXXX | 2508172069 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Intial 1003 |
| XXXXX | 2508172069 |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| XXXXX | 92300182307 |  | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Note. |
| XXXXX | 92300182307 |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Note. |
| XXXXX | 92300182307 |  | Property Value | XXX | XXX | Confirmed with Appraisal Report. |
| XXXXX | 92300182307 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Initial 1003. |
| XXXXX | 92300182307 |  | Qualifying FICO | 689 | 711 | Confirmed with Credit Report. |
| XXXXX | 92300182307 |  | Qualifying CLTV | 63.81 | 42.77 | Confirmed with Appraisal Report. |
| XXXXX | 92300182307 |  | Property Type | XXX | XXX | Confirmed with Appraisal Report. |
| XXXXX | 92300182307 |  | Qualifying LTV | 63.81 | 42.77 | Confirmed with Appraisal Report. |
| XXXXX | 92300182307 |  | Qualifying All Borrower Residual Income | XXX | XXX | Confirmed with bank Statements provided for income verification and Credit Report. |
| XXXXX | 92300182307 |  | MIN No | XXX | XXX | Confirmed per DOT provided |
| XXXXX | 92300192817 |  | Loan Type | DSCR | Conventional | The loan is DSCR |
| XXXXX | 92300192817 |  | MIN No | XXX | XXX | The Min number is from the Mortgage |
| XXXXX | 92300192817 |  | Verified Doc Type | Debt Service Coverage Ratio | Other | Verified Doc Type is DSCR |
| XXXXX | 92300192817 |  | Property Type | XXX | XXX | The property is an attached PUD |
| XXXXX | 92300192817 |  | Calculated DSCR | 1.52 | 1.17 | Verified to rent and expenses, lender approval States XX/XX/XXXX |
| XXXXX | 92300192817 |  | Property Value | XXX | XXX | The appraised value is XXX |
| XXXXX | 92300192817 |  | Qualifying All Borrower Residual Income | XXX | XXX | The residual income is based on the taxes from XXX primary. |
| XXXXX | 92300191269 |  | Property Value | XXX | XXX | Verified with the appraisal. |
| XXXXX | 92300191269 |  | MIN No | XXX | XXX | Verified with the Security Instrument |
| XXXXX | 92300191269 |  | Property County | XXX | XXX | Verified with the Security Instrument. |
| XXXXX | 92300191269 |  | Qualifying All Borrower Residual Income | XXX | XXX | Verified with the income and liabilities/ |
| XXXXX | 92010190257 |  | Property Value | XXX | XXX | Confirmed with Appraisal Report. |
| XXXXX | 92010190257 |  | ULI | XXX | XXX | Confirmed with Final 1003. |
| XXXXX | 92010190257 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed with bank Statements provided. |
| XXXXX | 92010190257 |  | Qualifying All Borrower Residual Income | XXX | XXX | Confirmed with bank Statements provided for income verification and Credit Report. Updated Credit Report shows lower monthly consumer debt payments. |
| XXXXX | 92010192732 |  | Property Value | XXX | XXX | Property was valued at XXX in a report dated XXX |
| XXXXX | 92010192732 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Available reserves equal XX/XX/XXXX months reserves. |
| XXXXX | 92010192732 |  | Qualifying All Borrower Residual Income | XXX | XXX | There is no guideline residual income requirement |
| XXXXX | 92400192894 |  | ULI | XXX | XXX | ULI confirmed using 1003. |
| XXXXX | 92400192894 |  | Property Type | XXX | XXX | Property type confirmed using Appraisal Report and PUD Rider. |
| XXXXX | 92400192894 |  | Qualifying CLTV | 78.89 | 78.90 | Qualifying total CLTV confirmed using loan amount and appraised value. |
| XXXXX | 92400192894 |  | Qualifying LTV | 78.89 | 78.90 | Qualifying total LTV confirmed using loan amount and appraised value. |
| XXXXX | 92400192894 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Qualifying total reserves confirmed using verified assets. |
| XXXXX | 92400192894 |  | Qualifying All Borrower Residual Income | XXX | XXX | Qualifying all borrower total income |
| XXXXX | 92400192638 |  | ULI | XXX | XXX | Auditor confirmed by reviewed the Final 1003 the correct ULI begins with XXX |
| XXXXX | 92400192638 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | The auditor checked the initial 1003 and lock confirmation which is both dated XX/XX/XXXX |
| XXXXX | 92400192638 |  | Property Type | XXX | XXX | Auditor confirmed per the appraisal on page XXX the subject property is a PUD |
| XXXXX | 92400192638 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Auditor confirmed the borrower has sufficient reserves for the loan program |
| XXXXX | 92400192638 |  | Qualifying All Borrower Residual Income | XXX | XXX | The auditor checked the guidelines and they State Residual Income is not required on an Investment property and DTI <=XXX%. This is a primary residence with a XXX% DTI the system deducted the total debt amount from the combined income leaving the XXX |
| XXXXX | 92300189333 |  | MIN No | XXX | XXX | Verified with the Security Instrument |
| XXXXX | 92300189333 |  | Property Value | XXX | XXX | Verified with the appraisal |
| XXXXX | 92300189333 |  | Property Type | XXX | XXX |  |
| XXXXX | 92300189333 |  | Qualifying All Borrower Residual Income | XXX | XXX | Verified with the liabilities |
| XXXXX | 92400192311 |  | MIN No | XXX | XXX | Per Mortgage |
| XXXXX | 92400192311 |  | ULI | XXX | XXX | Per Final 1003 |
| XXXXX | 92400192311 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per cash-out on Final CD, allowed for reserves |
| XXXXX | 92400192311 |  | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly verified income minus total verified monthly debt |
| XXXXX | 92400191599 |  | MIN No | XXX | XXX | Verified with the Security Instrument |
| XXXXX | 92400191599 |  | Property Value | XXX | XXX | Verified with the appraisal |
| XXXXX | 92400191599 |  | ULI | XXX | XXX | Verified with the Final 1003 |
| XXXXX | 92400191599 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the asset Statements |
| XXXXX | 92400191599 |  | Qualifying All Borrower Residual Income | XXX | XXX | Verified with income and liabilities |
| XXXXX | 92300192874 |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Verified with the Note |
| XXXXX | 92300192874 |  | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | Verified with the Note |
| XXXXX | 92300192874 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified with the Initial 1003 |
| XXXXX | 92300192874 |  | Verified Doc Type | 24 Month Bank Statement | 12 Month Bank Statement | Verified with the income calculator |
| XXXXX | 92300192874 |  | Qualifying All Borrower Residual Income | XXX | XXX | Verified with income and liabilities |
| XXXXX | 2509175821 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| XXXXX | 2509175821 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| XXXXX | 92010192530 |  | Qualifying FICO | 788 | 999 | Verified to credit report |
| XXXXX | 92010192530 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified to total assets |
| XXXXX | 92010192530 |  | Qualifying All Borrower Residual Income | XXX | XXX | Verified to income minus expenses |
| XXXXX | 92300196128 |  | Borrower 1 Last Name | XXXXX | XXXXX | The borrower's suffix is XXX. His complete Last Name is XXXXX XXX. |
| XXXXX | 92300196128 |  | Property County | XXX | XXX | The data is the same |
| XXXXX | 92300196128 |  | MIN No | XXX | XXX | The Audited MIN is correct per review. |
| XXXXX | 92300196128 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX |  |
| XXXXX | 92300196128 |  | Qualifying All Borrower Residual Income | XXX | XXX | There is no guideline residual income requirement for this product. |
| XXXXX | 92300196123 |  | Sales Price | XXX | XXX | updated per contract addendum in file |
| XXXXX | 92300196123 |  | MIN No | XXX | XXX | updated per DOT per monthrtgage in file |
| XXXXX | 92300196123 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| XXXXX | 92300196123 |  | Property Type | XXX | XXX | updated per appraisal |
| XXXXX | 92300196123 |  | Qualifying All Borrower Residual Income | XXX | XXX | updated per income and liabilities - residual not required to be calculated per guidelines |
| XXXXX | 92300196047 |  | Property City | XXX | XXX | Per the Note |
| XXXXX | 92300196047 |  | MIN No | XXX | XXX | Verified with the Security Instrument |
| XXXXX | 92300196047 |  | Verified Doc Type | Written Verification of Employment | Other | Per the Lock and Documents |
| XXXXX | 92300196047 |  | Qualifying All Borrower Residual Income | XXX | XXX | Per the Income and liabilities |
| XXXXX | 2508169949 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| XXXXX | 2508169949 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| XXXXX | 92400194964 |  | Property Address | XXX | XXX | The address is the same |
| XXXXX | 92400194964 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | The initial application is dated XXX |
| XXXXX | 92400194964 |  | Property Value | XXX | XXX | The subject property is valued at XXX in a report dated XXX. |
| XXXXX | 92400194964 |  | ULI | XXX | XXX | The Audited ULI is correct per the review. |
| XXXXX | 92400194964 |  | Qualifying FICO | 714 | 735 | XXX is lower middle score of the XXX borrowers |
| XXXXX | 92400194964 |  | Qualifying Total Reserves Number of Months | XXX | XXX | The post closing asset equal XX/XX/XXXX months reserves |
| XXXXX | 92400194964 |  | Qualifying All Borrower Residual Income | XXX | XXX | There is no guideline residual income requirement |
| XXXXX | 2509174530 |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | per compliance. |
| XXXXX | 2509174530 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| XXXXX | 92400194744 |  | Property Value | XXX | XXX | Verified with the appraisal, the lower purchase price used to qualify. |
| XXXXX | 92400194744 |  | ULI | XXX | XXX | Verified with the Final 1003 |
| XXXXX | 92400194744 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified with the initial 1003 |
| XXXXX | 92400194744 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statements |
| XXXXX | 92400194744 |  | Qualifying All Borrower Residual Income | XXX | XXX | Verified with the income and liabilities |
| XXXXX | 2509175260 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| XXXXX | 92400195752 |  | MIN No | XXX | XXX | The correct MINNo is XXX-XXX |
| XXXXX | 92400195752 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Auditor confirmed the application date is XX/XX/XXXX |
| XXXXX | 92400195752 |  | ULI | XXX | XXX | The auditor reviewed the final and initial 1003 and confirmed XXX ULI # is correct |
| XXXXX | 92400195752 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Borrower have sufficient funds left over from closing to cover a minimum XXX months reserves |
| XXXXX | 92400195752 |  | Qualifying All Borrower Residual Income | XXX | XXX | XXX is the difference between the total payments - the combined total income. |
| XXXXX | 2510176056 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| XXXXX | 2510176056 |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| XXXXX | 2510176056 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| XXXXX | 92300196065 |  | MIN No | XXX | XXX | Per Mortgage |
| XXXXX | 92300196065 |  | Qualifying CLTV | 69.99 | 70.00 | Rounding Issue |
| XXXXX | 92300196065 |  | Qualifying LTV | 69.99 | 70.00 | Rounding Issue |
| XXXXX | 92300196065 |  | Property Type | XXX | XXX | Per appraisal and current mortgage. Prop was not originally in PUD but subsequently added to the existing XXX per PUD rider dated XX/XX/XXXX. |
| XXXXX | 92300196065 |  | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly verified income minus total verified monthly debt |
| XXXXX | 92010194965 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the cash out., |
| XXXXX | 92010194965 |  | Qualifying All Borrower Residual Income | XXX | XXX | Verified with the income and liabilities |
| XXXXX | 92010193098 |  | Property Value | XXX | XXX | Per Appraisal |
| XXXXX | 92010193098 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation verifying assets Stated on the Final 1003. |
| XXXXX | 92010193098 |  | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly verified income minus total verified monthly debt |
| XXXXX | 92010194267 |  | Property Value | XXX | XXX | Verified with the appraisal, the lower Purchase price used to qualify. |
| XXXXX | 92010194267 |  | Qualifying LTV | 54.79 | 54.80 | Verified with the Purchase Price and rounding. |
| XXXXX | 92010194267 |  | Qualifying CLTV | 54.79 | 54.80 | Verified with the Purchase Price and rounding. |
| XXXXX | 92010194267 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statements |
| XXXXX | 92010194267 |  | Qualifying All Borrower Residual Income | XXX | XXX | Verified with the income and liabilities |
| XXXXX | 92010194959 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified from funds received at closing. |
| XXXXX | 92010194959 |  | Qualifying All Borrower Residual Income | XXX | XXX | Qualifying residual income verified via income and credit documentation. |
| XXXXX | 92010196234 |  | Property Value | XXX | XXX | Verified with the Appraisal, the lower purchase price used to qualify. |
| XXXXX | 92010196234 |  | Qualifying Total Reserves Number of Months | XXX | XXX | verified with the most recent asset Statement. |
| XXXXX | 92010196234 |  | Qualifying All Borrower Residual Income | XXX | XXX | Verified with the Income and Liabilities |
| XXXXX | 92010195057 |  | Property Value | XXX | XXX | Reviewed and Audited |
| XXXXX | 92010195057 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reviewed and Audited |
| XXXXX | 92010195057 |  | Qualifying All Borrower Residual Income | XXX | XXX | Reviewed and Audited |
| XXXXX | 92010194825 |  | Property Value | XXX | XXX | Verified with the appraisal, the lower Purchase Price used to qualify. |
| XXXXX | 92010194825 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statement |
| XXXXX | 92010194825 |  | Qualifying All Borrower Residual Income | XXX | XXX | Verified with the income and liabilities |
| XXXXX | 92300196049 |  | MIN No | XXX | XXX | The Audited MIN is correct per review. |
| XXXXX | 92300196049 |  | Qualifying All Borrower Residual Income | XXX | XXX | The qualifying residual income is XXX per review |
| XXXXX | 90140190300 |  | Property Value | XXX | XXX | Audit value is from the appraisal. Tape value is the sales price. |
| XXXXX | 90140190300 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Audit reserves confirmed from bank Statements in file. |
| XXXXX | 90140190300 |  | Qualifying All Borrower Residual Income | XXX | XXX | Audit value is confirmed from the total income minus the total liabilities. |
| XXXXX | 92400195137 |  | ULI | XXX | XXX | Per Final 1003 |
| XXXXX | 92400195137 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation verifying assets Stated on the Final 1003 and final CD cashout used for reserves |
| XXXXX | 92400195137 |  | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly verified income minus total verified monthly debt |
| XXXXX | 92300196463 |  | MIN No | XXX | XXX | Verified to Deed |
| XXXXX | 92300196463 |  | Verified Doc Type | 1YR Business P&L | 1YR Full Doc | Verified to income docs, XXX approval XXX mos P&L only Flex Select Alt Doc doc type; Lock reflects Full Doc (Limited) |
| XXXXX | 92300196463 |  | Qualifying All Borrower Residual Income | XXX | XXX | Based on verified income and total debts |
| XXXXX | 92010195548 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the cash out. |
| XXXXX | 92010195548 |  | Qualifying All Borrower Residual Income | XXX | XXX | Verified with the income and liabilities |
| XXXXX | 92300196667 |  | Prepayment Penalty | Yes | No | Note reflects prepayment penalty addendum. |
| XXXXX | 92300196667 |  | Qualifying All Borrower Residual Income | XXX | XXX | Qualifying residual income verified via income and credit documentation. |
| XXXXX | 92400195609 |  | ULI | XXX | XXX | Per Final 1003 |
| XXXXX | 92400195609 |  | Property Value | XXX | XXX | Using Purchase price as property value since it is lower than the appraised value |
| XXXXX | 92400195609 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| XXXXX | 92400195609 |  | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly income less all debts |
| XXXXX | 92400196122 |  | ULI | XXX | XXX | Verified with the Final 1003 |
| XXXXX | 92400196122 |  | Property Value | XXX | XXX | Verified with the appraisal, the lower purchase price used to qualify. |
| XXXXX | 92400196122 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statement |
| XXXXX | 92400196122 |  | Qualifying All Borrower Residual Income | XXX | XXX | Verified with the income and liabilities |
| XXXXX | 92400195558 |  | MIN No | XXX | XXX | Verified with the Security Instrument |
| XXXXX | 92400195558 |  | ULI | XXX | XXX | Verified with the Final 1003 |
| XXXXX | 92400195558 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified with the Data proof sheet that the application date is XX/XX/XXXX, needs to be fixed by compliance. |
| XXXXX | 92400195558 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the cash out. |
| XXXXX | 92400195558 |  | Qualifying All Borrower Residual Income | XXX | XXX | Verified with the income and liabilities |
| XXXXX | 92300196806 |  | Property County | XXX | XXX | Per Mortgage and Appraisal |
| XXXXX | 92300196806 |  | Property Value | XXX | XXX | Per Appraisal |
| XXXXX | 92300196806 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per initial loan application LO signature date |
| XXXXX | 92300196806 |  | Qualifying All Borrower Residual Income | XXX | XXX | Per verified income of XXX per month. minus total verified debt of XXX per month. totals XXX |
| XXXXX | 92010195032 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the cash out. |
| XXXXX | 92010195032 |  | Qualifying All Borrower Residual Income | XXX | XXX | Verified with the income and liabilities. |
| XXXXX | 92400196868 |  | ULI | XXX | XXX | Verified with the Final 1003 |
| XXXXX | 92400196868 |  | Property Type | XXX | XXX | Verified with the appraisal |
| XXXXX | 92400196868 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the Most recent asset Statements and the Settlement Statement for the sale of the exit property. |
| XXXXX | 92400196868 |  | Qualifying All Borrower Residual Income | XXX | XXX | Verified with the Income and liabilities |
| XXXXX | 92300196565 |  | MIN No | XXX | XXX | Verified with the Security Instrument. |
| XXXXX | 92300196565 |  | Property Value | XXX | XXX | Verified with the appraisal, the lower purchase price used to qualify. |
| XXXXX | 92300196565 |  | Qualifying All Borrower Residual Income | XXX | XXX | Verified with the income and liabilities |
| XXXXX | 92400196727 |  | ULI | XXX | XXX | Verified with the Final 1003 |
| XXXXX | 92400196727 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statements |
| XXXXX | 92400196727 |  | Qualifying All Borrower Residual Income | XXX | XXX | Verified with the income and liabilities |
| XXXXX | 92400196467 |  | Property Value | XXX | XXX | Property value of XXX confirmed using appraisal report, tape data captured purchase price. |
| XXXXX | 92400196467 |  | ULI | XXX | XXX | ULI Confirmed using Final 1003 |
| XXXXX | 92400196467 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Qualifying total number of months reserves confirmed using most recent bank Statement. |
| XXXXX | 92400196467 |  | Qualifying All Borrower Residual Income | XXX | XXX | Confirmed using Lender Guidelines Residual Income not required. |
| XXXXX | 92010196345 |  | Property Value | XXX | XXX | Verified with the appraisal, the lower purchase price used to qualify. |
| XXXXX | 92010196345 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statements. |
| XXXXX | 92010196345 |  | Qualifying All Borrower Residual Income | XXX | XXX | Verified with the income and liabilities |
| XXXXX | 92400193800 |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Verified with the Note. |
| XXXXX | 92400193800 |  | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | Verified with the Note. |
| XXXXX | 92400193800 |  | ULI | XXX | XXX | Verified with the Final 1003 |
| XXXXX | 92400193800 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified with the most recent asset Statements |
| XXXXX | 92400193800 |  | Qualifying All Borrower Residual Income | XXX | XXX | Verified with the income and liabilities |
| XXXXX | 92300197004 |  | Property Value | XXX | XXX | Verified to appraised value vs. purchase price. |
| XXXXX | 92300197004 |  | Qualifying All Borrower Residual Income | XXX | XXX | Qualifying residual income verified via income and credit documentation. |
| XXXXX | 92300196632 |  | Property City | XXX | XXX | Verified with the Note |
| XXXXX | 92300196632 |  | Sales Price | XXX | XXX | Verified with the sales contract. |
| XXXXX | 92300196632 |  | Property Type | XXX | XXX | Verified with the appraisal |
| XXXXX | 92300196632 |  | Qualifying All Borrower Residual Income | XXX | XXX | Verified with the income and liabilities |
| XXXXX | 92300196473 |  | Property Value | XXX | XXX | The audit value is the appraisal value. The tape value is the sales price. |
| XXXXX | 92300196473 |  | Property Type | XXX | XXX | The appraisal confirms the property type is a Condominium and the Mortgage contains a Condo rider. |
| XXXXX | 92300196473 |  | Qualifying All Borrower Residual Income | XXX | XXX | The audit value is total income minus the total liabilities. |
| XXXXX | 92010192015 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per CD |
| XXXXX | 92010192015 |  | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly income less all debts |
| XXXXX | 92400195723 |  | ULI | XXX | XXX | Per Final 1003 |
| XXXXX | 92400195723 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation verifying assets Stated on the Final 1003. |
| XXXXX | 92400195723 |  | Qualifying All Borrower Residual Income | XXX | XXX | Per verified income of XXX per month. minus total verified debt of XXX per month. totals $XXX. |
| XXXXX | 92400195723 |  | Underwriting Guideline Name | XXX | XXX | Per Loan Approval and Citizenship documentation verifying ITIN. |
| XXXXX | 92010196544 |  | Property Value | XXX | XXX | Audit value captured from the appraisal. |
| XXXXX | 92010196544 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Audit total assets = XXX minus XXX cash to close and XXX months PITIA XXX = XXX / PITIA XXX = XX/XX/XXXX months. |
| XXXXX | 92010196544 |  | Qualifying All Borrower Residual Income | XXX | XXX | Audit Residual income calc includes B1 income of XXX + B2 income of XXX + XXX rental income = XXX minus Primary residence PITIA XXX minus OREO's XXX losses - debts on credit of XXX = XXX residual income. |
| XXXXX | 2509173945 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on initial 1003 in file. |
| XXXXX | 2509173945 |  | Qualifying Total Debt Income Ratio | XXX | XXX | DTI increased. Income worksheet in file supports audit calculated income; however, 1003 and XXX reflect XXX for each borrower with DTI XXX%. Lender exception in file reflects DTI XXX. |
| XXXXX | 92010196836 |  | Property Value | XXX | XXX | Audit value captured from the appraisal vs tape data is the purchase price. |
| XXXXX | 92010196836 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Audit reserves calculated from total reserves of XXX minus reserves of XXX minus cash to close of XXX = XXX / XXX = XX/XX/XXXX months. |
| XXXXX | 92010196836 |  | Qualifying All Borrower Residual Income | XXX | XXX | Audit residual income calculation used income of XXX minus PITIA XXX minus debts from the credit report of XXX = XXX residual income. |
| XXXXX | 92010196836 |  | Underwriting Guideline Name | XXX | XXX | Audit value capturd from the Loan Details Report |
| XXXXX | 92010196166 |  | Qualifying CLTV | 79.25 | 79.24 | Confirmed with Appraisal Report. |
| XXXXX | 92010196166 |  | Qualifying LTV | 79.25 | 79.24 | Confirmed with Appraisal Report. |
| XXXXX | 92010196166 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed with bank Statements provided. |
| XXXXX | 92010196166 |  | Qualifying All Borrower Residual Income | XXX | XXX | Confirmed with bank Statements provided. Audit used updated Credit Report figures for Monthly Consumer debts. The new report shows accounts have been paid to XXX |
| XXXXX | 92400195020 |  | ULI | XXX | XXX | Per Final 1003 |
| XXXXX | 92400195020 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per CD |
| XXXXX | 92400195020 |  | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly income less all debts |
| XXXXX | 92400195559 |  | MIN No | XXX | XXX | Audit MIN captured from the Mortgage. |
| XXXXX | 92400195559 |  | Verified Doc Type | Asset Depletion – Debt Ratio Calculation | Asset Depletion | Audit doc type captured as per options in LM. |
| XXXXX | 92400195559 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Audit verified assets of XXX / PITIA XXX = XXX months. |
| XXXXX | 92400195559 |  | Qualifying All Borrower Residual Income | XXX | XXX | Residual income is not a requirement for this loan. Contributing factors for the variance is XXX is not using the correct qualifying payment, Audit income is slightly less than lender calc due to missing XXX Statements for XXX retirement accounts and audit used debts from credit report dated XXX vs. XXX. |
| XXXXX | 92010196394 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed with bank Statements provided. |
| XXXXX | 92010196394 |  | Qualifying All Borrower Residual Income | XXX | XXX | Confirmed with bank Statements provided for income verification and Credit Report. |
| XXXXX | 92300196717 |  | Verified Doc Type | Written Verification of Employment | Other | XXX Years verified via WVOE |
| XXXXX | 92300196717 |  | Qualifying Total Reserves Number of Months | XXX | XXX | it appears the Originators rounded down. |
| XXXXX | 92300196717 |  | Qualifying All Borrower Residual Income | XXX | XXX | Income and all REO the same as Originator. Updated CBR dated XX/XX/XXXX changed some of the liabilities. |
| XXXXX | 92010196966 |  | Borrower 1 Last Name | XXXXX | XXXXX | Verified B1 name using Final 1003 |
| XXXXX | 92010196966 |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified cash out proceeds used for reserves using final CD. |
| XXXXX | 92010196966 |  | Qualifying All Borrower Residual Income | XXX | XXX | Verified Residual income using income Docs. |
| XXXXX | 2510179382 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| XXXXX | 2510179382 |  | Credit QM/ATR Designation | QM-ATR Exempt | General QM - Appendix Q | Per docs |
| XXXXX | 2510179382 |  | Qualifying Total Debt Income Ratio | XXX | XXX | matches |
| XXXXX | 2511181468 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| XXXXX | 2511181468 |  | Loan Product Type | 30 Year Fixed | NANQ/TRID - 30 Yr Fixed - BD | XXX Year Fixed, per Note. |
| XXXXX | 2510179429 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| XXXXX | 2510179429 |  | Property Value | XXX | XXX | Per appraisal |
| XXXXX | 2510179429 |  | Credit QM/ATR Designation | QM-ATR Exempt | General QM - Appendix Q | Per docs |
| XXXXX | 2511181971 |  | Qualifying Total Debt Income Ratio | XXX | XXX | XXX% audit DTI - Lender calculated income based on XXX months of Statements - Oct XXX to Oct XXX Audit removed the Oct XXX Statement and the monthly income calculation decreased from XXX to $XXX. The decrease did not cause the DTI to exceed guideline limit. |
| XXXXX | 2510177314 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| XXXXX | 2511180209 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| XXXXX | 2508172277 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| XXXXX | 2508172277 |  | Credit QM/ATR Designation | QM-ATR Exempt | General QM - Appendix Q | Per docs |
| XXXXX | 2510179595 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Audit date is taken from the initial loan application. |
| XXXXX | 2511182078 |  | Borrower 1 Last Name | XXXXX | XXXXX | per Note. |
| XXXXX | 2511182078 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX per initial. |
| XXXXX | 2511182078 |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | per compliance. |
| XXXXX | 2511180364 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| XXXXX | 2511180364 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per income calculation |
| XXXXX | 2511181265 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| XXXXX | 92300195376 | XXXXX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Per Loan Approval |
| XXXXX | 92300195376 | XXXXX | Qualifying FICO | 806 | 789 | Per Primary Wage Earner mid credit score |
| XXXXX | 92300195376 | XXXXX | Total Liquid Assets Available For Close | XXX | XXX | Per asset documentation, less funds to close |
| XXXXX | 92300195376 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation, less funds to close and including subject housing expense |
| XXXXX | 92300195376 | XXXXX | Total Qualified Assets Available | XXX | XXX | Per asset documentation, less funds to close |
| XXXXX | 92300195376 | XXXXX | Qualifying Total Monthly Liabilities | XXX | XXX | Per liability documentation |
| XXXXX | 92300195376 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| XXXXX | 92300195455 | XXXXX | Originator Doc Type | Debt Service Coverage Ratio | Other | Per approval |
| XXXXX | 92300195455 | XXXXX | Total Qualified Assets Available | XXX | XXX | Per asset docs |
| XXXXX | 92300195455 | XXXXX | Qualifying Total Monthly Liabilities | XXX | XXX | Per credit docs |
| XXXXX | 92300195455 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| XXXXX | 92300195499 | XXXXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| XXXXX | 92300195499 | XXXXX | Originator Doc Type | Debt Service Coverage Ratio | Other | Per approval |
| XXXXX | 92300195499 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs |
| XXXXX | 92300195499 | XXXXX | Total Liquid Assets Available For Close | XXX | XXX | Per asset docs |
| XXXXX | 92300195499 | XXXXX | Total Qualified Assets Available | XXX | XXX | Per asset docs |
| XXXXX | 92300195499 | XXXXX | Calculated DSCR | 1.03 | 1.04 | Per credit docs |
| XXXXX | 92300195499 | XXXXX | Qualifying Total Monthly Liabilities | XXX | XXX | Per credit docs |
| XXXXX | 92300195499 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| XXXXX | 92300195476 | XXXXX | Originator Doc Type | Debt Service Coverage Ratio | Other | Per Loan Approval |
| XXXXX | 92300195476 | XXXXX | Total Liquid Assets Available For Close | XXX | XXX | Per asset documentation |
| XXXXX | 92300195476 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and subject housing expense |
| XXXXX | 92300195476 | XXXXX | Total Qualified Assets Available | XXX | XXX | Per asset documentation |
| XXXXX | 92300195476 | XXXXX | Qualifying Total Monthly Liabilities | XXX | XXX | Per minimum required liability documentation |
| XXXXX | 92300195471 | XXXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Maturity date verified via Note. |
| XXXXX | 92300195471 | XXXXX | Originator Doc Type | Debt Service Coverage Ratio | Other | Doc type selected from drop down. |
| XXXXX | 92300195471 | XXXXX | Total Qualified Assets Available | XXX | XXX | Assets verified. |
| XXXXX | 92300195471 | XXXXX | Qualifying Total Monthly Liabilities | XXX | XXX | DSCR loan product. |
| XXXXX | 92300195471 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date verified. |
| XXXXX | 92300188277 | XXXXX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Doc type selected from drop down. |
| XXXXX | 92300188277 | XXXXX | Borrower 1 Qualifying Income | XXX | XXX | Income variance due to REO. |
| XXXXX | 92300188277 | XXXXX | Qualifying FICO | 789 | 751 | Primary Wage earner FICO used for Audit. |
| XXXXX | 92300188277 | XXXXX | Total Liquid Assets Available For Close | XXX | XXX | Liquid assets verified via asset docs provided. |
| XXXXX | 92300188277 | XXXXX | Total Qualified Assets Available | XXX | XXX | Assets verified via asset docs provided. |
| XXXXX | 92300188277 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| XXXXX | 92300188277 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date verified. |

---

## Exhibit 99.5

**Exhibit 99.5**

 **Schedule 5 - Property Supplemental Report**

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

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Property ID** | **MFA ID** | **MFA Property ID** | **Cross Collateralized** | **Key** | **Lease Status at Origination (All Units)** | **Lease Status Unit 1** | **Lease Status Unit 2** | **Lease Status Unit 3** | **Lease Status Unit 4** | **Rent Source (All Units)** | **Total Qualifying Rent (All Units)** | **Unit 1 Lease Status** | **Unit 1 Actual Rent** | **Unit 1 Market Source** | **Unit 1 Market Rent** | **Unit 1 Qual. Market Rent** | **Unit 1 Qual. Rent** | **Unit 1 Gross Rent Basis** | **Unit 2 Lease Status** | **Unit 2 Actual Rent** | **Unit 2 Market Source** | **Unit 2 Market Rent** | **Unit 2 Qual. Market Rent** | **Unit 2 Qual. Rent** | **Unit 2 Gross Rent Basis** | **Unit 3 Lease Status** | **Unit 3 Actual Rent** | **Unit 3 Market Source** | **Unit 3 Market Rent** | **Unit 3 Qual. Market Rent** | **Unit 3 Qual. Rent** | **Unit 3 Gross Rent Basis** | **Unit 4 Lease Status** | **Unit 4 Actual Rent** | **Unit 4 Market Source** | **Unit 4 Market Rent** | **Unit 4 Qual. Market Rent** | **Unit 4 Qual. Rent** | **Unit 4 Gross Rent Basis** | **Property Status** | **Annual HOA** | **Annual Insurance** | **Annual Tax** | **Address** | **City** | **State** | **Postal Code** | **Property Type** | **Beds** | **Baths** | **Original As-Is Appraised Property Value** | **As-Repaired Property Value** | **Original Property Valuation Type** | **Original Property Valuation Date** | **Appraisal Review Type** | **Appraisal Review Date** | **Appraisal Review Value** | **Appraisal Review Variance** | **Seasoned BPO Value** | **BPO Date** | **BPO Provider** | **BPO Variance** | **Property Status** | **Original Automated Valuation Model (AVM) Model Name** | **Original AVM Confidence Score** | **Updated Valuation** | **Updated Valuation Type** | **Updated Val Date** | **Most Recent Property Value** | **Most Recent Property Valuation Type** | **Most Recent Property Valuation Date** | **Sales Price** | **Product** | **Most Recent AVM Model Name** | **Most Recent AVM Confidence Score** | **Original CLTV** | **Original LTV** | **Original Pledged Assets** | **Mortgage Insurance Company Name** | **Mortgage Insurance Percent** | **MI: Lender or Borrower Paid?** | Pool Insurance Co. Name | Pool Insurance Stop Loss % | MI Certificate Number | Updated DTI (Front-end) | Updated DTI (Back-end) | Modification Effective Payment Date | Total Capitalized Amount | Total Deferred Amount | Pre-Modification Interest (Note) Rate | Pre-Modification P&I Payment | Pre-Modification Initial Interest Rate Change Downward Cap | Pre-Modification Subsequent Interest Rate Cap | Pre-Modification Next Interest Rate Change Date | Pre-Modification I/O Term | Forgiven Principal Amount | Forgiven Interest Amount | Number of Modifications | Modification Type | Pre-Mod Delq | Pre-Mod P&I | Post-Mod P&I | Originator Doc Type | 24 Month Payhistory MBA | ASOF | Retired Borrower Flag | Unemployed Borrower Flag | Foreign National Borrower Flag | QM | DSI Amortization Maturity Date | Actual Ending Balance Property-Level | Original Property-Level Loan Amount | Lower of Sales Price or As-is | Next Due Date | Current Payment Status | MFA First payment due date |
| XXXXX | 40012449 | XXXXX | XXXXX | XXXXX | Yes |  | Present | Stable Lease | Present | N/A | N/A | 110% Market Rent | $XXX | Stable Lease | $XXX | $XXX | $XXX | $XXX | $XXX | 110% Market Rent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Active | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | Appraisal | XX/XX/XXXX | ARR | XX/XX/XXXX | $XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Cash-Out Refi |  |  |  | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX N |  |  |  |
| XXXXX | 40012449 | XXXXX | XXXXX | XXXXX | Yes |  | Vacant | Vacant | Present | N/A | N/A | 90% Market Rent | $XXX | Vacant |  | $XXX | $XXX | $XXX | $XXX | 90% Market Rent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Active | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | Appraisal | XX/XX/XXXX | ARR | XX/XX/XXXX | $XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Cash-Out Refi |  |  |  | 0.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX N |  |  |  |
| XXXXX | 40012449 | XXXXX | XXXXX | XXXXX | Yes |  | Present | Stable Lease | Present | N/A | N/A | Lease Rent | $XXX | Stable Lease | $XXX | $XXX | $XXX | $XXX | $XXX | Lease Rent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Active | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | Appraisal | XX/XX/XXXX | ARR | XX/XX/XXXX | $XXX | -0.0166667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Cash-Out Refi |  |  |  | 0.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX N |  |  |  |
| XXXXX | 40012449 | XXXXX | XXXXX | XXXXX | Yes |  | Present | Stable Lease | Present | N/A | N/A | 110% Market Rent | $XXX | Stable Lease | $XXX | $XXX | $XXX | $XXX | $XXX | 110% Market Rent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Active | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | Appraisal | XX/XX/XXXX | ARR | XX/XX/XXXX | $XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Cash-Out Refi |  |  |  | 0.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX N |  |  |  |
| XXXXX | 40012449 | XXXXX | XXXXX | XXXXX | Yes |  | Present | Stable Lease | Present | N/A | N/A | 110% Market Rent | $XXX | Stable Lease | $XXX | $XXX | $XXX | $XXX | $XXX | 110% Market Rent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Active | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | Appraisal | XX/XX/XXXX | ARR | XX/XX/XXXX | $XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Cash-Out Refi |  |  |  | 0.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX N |  |  |  |
| XXXXX | 40012449 | XXXXX | XXXXX | XXXXX | Yes |  | Present | Stable Lease | Present | N/A | N/A | Lease Rent | $XXX | Stable Lease | $XXX | $XXX | $XXX | $XXX | $XXX | Lease Rent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Active | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | Appraisal | XX/XX/XXXX | ARR | XX/XX/XXXX | $XXX | -0.0322581 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Cash-Out Refi |  |  |  | 0.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX N |  |  |  |
| XXXXX | 40012449 | XXXXX | XXXXX | XXXXX | Yes |  | Present | Stable Lease | Present | N/A | N/A | 110% Market Rent | $XXX | Stable Lease | $XXX | $XXX | $XXX | $XXX | $XXX | 110% Market Rent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Active | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | Appraisal | XX/XX/XXXX | ARR | XX/XX/XXXX | $XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Cash-Out Refi |  |  |  | 0.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX N |  |  |  |
| XXXXX | 40012433 | XXXXX | XXXXX | XXXXX | Yes |  | Vacant | Vacant | Present | N/A | N/A | 90% Market Rent | $XXX | Vacant |  | $XXX | $XXX | $XXX | $XXX | 90% Market Rent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Active |  | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | Appraisal | XX/XX/XXXX | ARR | XX/XX/XXXX | $XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Cash-Out Refi |  |  |  | 0.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX N |  |  |  |
| XXXXX | 40012433 | XXXXX | XXXXX | XXXXX | Yes |  | Present | Unstable Lease | Present | N/A | N/A | Lease Rent | $XXX | Unstable Lease | $XXX | $XXX | $XXX | $XXX | $XXX | Lease Rent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Active |  | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | Appraisal | XX/XX/XXXX | ARR | XX/XX/XXXX | $XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Cash-Out Refi |  |  |  | 0.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX N |  |  |  |
| XXXXX | 40012433 | XXXXX | XXXXX | XXXXX | Yes |  | Present | Stable Lease | Present | N/A | N/A | Lease Rent | $XXX | Stable Lease | $XXX | $XXX | $XXX | $XXX | $XXX | Lease Rent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Active |  | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | Appraisal | XX/XX/XXXX | ARR | XX/XX/XXXX | $XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Cash-Out Refi |  |  |  | 0.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX N |  |  |  |
| XXXXX | 40012433 | XXXXX | XXXXX | XXXXX | Yes |  | Present | Stable Lease | Present | N/A | N/A | Lease Rent | $XXX | Stable Lease | $XXX | $XXX | $XXX | $XXX | $XXX | Lease Rent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Active |  | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | Appraisal | XX/XX/XXXX | ARR | XX/XX/XXXX | $XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Cash-Out Refi |  |  |  | 0.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX N |  |  |  |
| XXXXX | 40012722 | XXXXX | XXXXX | XXXXX | Yes |  | Present | Stable Lease | Present | N/A | N/A | Lease Rent | $XXX | Stable Lease | $XXX | $XXX | $XXX | $XXX | $XXX | Lease Rent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Active |  | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | Appraisal | XX/XX/XXXX | ARR | XX/XX/XXXX | $XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Cash-Out Refi |  |  |  | 0.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX N |  |  |  |
| XXXXX | 40012722 | XXXXX | XXXXX | XXXXX | Yes |  | Vacant | Vacant | Present | N/A | N/A | 90% Market Rent | $XXX | Vacant |  | $XXX | $XXX | $XXX | $XXX | 90% Market Rent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Active |  | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | Appraisal | XX/XX/XXXX | ARR | XX/XX/XXXX | $XXX | 0.0042194 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Cash-Out Refi |  |  |  | 0.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX N |  |  |  |
| XXXXX | 40012087 | XXXXX | XXXXX | XXXXX | Yes |  | Present | Stable Lease | Present | N/A | N/A | Lease Rent | $XXX | Stable Lease | $XXX | $XXX | $XXX | $XXX | $XXX | Lease Rent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Active | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | Appraisal | XX/XX/XXXX | ARR | XX/XX/XXXX | $XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Cash-Out Refi |  |  |  | 0.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX N |  |  |  |
| XXXXX | 40012087 | XXXXX | XXXXX | XXXXX | Yes |  | Present | Stable Lease | Present | N/A | N/A | Lease Rent | $XXX | Stable Lease | $XXX | $XXX | $XXX | $XXX | $XXX | Lease Rent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Active | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | Appraisal | XX/XX/XXXX | ARR | XX/XX/XXXX | $XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Cash-Out Refi |  |  |  | 0.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX N |  |  |  |
| XXXXX | 40012087 | XXXXX | XXXXX | XXXXX | Yes |  | Present | Stable Lease | Present | N/A | N/A | Lease Rent | $XXX | Stable Lease | $XXX | $XXX | $XXX | $XXX | $XXX | Lease Rent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Active | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | Appraisal | XX/XX/XXXX | ARR | XX/XX/XXXX | $XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Cash-Out Refi |  |  |  | 0.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX N |  |  |  |
| XXXXX | 40012087 | XXXXX | XXXXX | XXXXX | Yes |  | Present | Stable Lease | Present | N/A | N/A | Lease Rent | $XXX | Stable Lease | $XXX | $XXX | $XXX | $XXX | $XXX | Lease Rent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Active | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | Appraisal | XX/XX/XXXX | ARR | XX/XX/XXXX | $XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Cash-Out Refi |  |  |  | 0.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX N |  |  |  |
| XXXXX | 40012690 | XXXXX | XXXXX | XXXXX | Yes |  | Present | Stable Lease | Present | N/A | N/A | 110% Market Rent | $XXX | Stable Lease | $XXX | $XXX | $XXX | $XXX | $XXX | 110% Market Rent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Active |  | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | Appraisal | XX/XX/XXXX | ARR | XX/XX/XXXX | $XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Cash-Out Refi |  |  |  | 0.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX N |  |  |  |
| XXXXX | 40012690 | XXXXX | XXXXX | XXXXX | Yes |  | Present | Unstable Lease | Present | N/A | N/A | Lease Rent | $XXX | Unstable Lease | $XXX | $XXX | $XXX | $XXX | $XXX | Lease Rent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Active |  | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX |  | Appraisal | XX/XX/XXXX | ARR | XX/XX/XXXX | $XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Cash-Out Refi |  |  |  | 0.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX N |  |  |  |

---

## Exhibit 99.6

**Exhibit 99.6**

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

![](ex996001.jpg)

**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 MSRM 2026-NQM2 (the "Securitization"). The review began on December 20, 2023, and concluded on May 16, 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 1 property (1 loan) where data validation was completed. The table below reflects the discrepancies inclusive of the blank data fields:

---

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

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**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;$210000.00 | &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;$210000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**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;$210000.00 | &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;$210000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**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;$210000.00 | &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;$210000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**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;$210000.00 | &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;$210000.00 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan 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.  |
| &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

**Exhibit 99.6**

 **Schedule 1 - Data Integrity Report**

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

---

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

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Count:** | 1 |  |  |  |  |  |
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |

---

## Exhibit 99.6

**Exhibit 99.6**

 **Schedule 2 - Rebuttal Findings Report**

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

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 6980103 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | 22766667 | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 6980103 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | 22767259 | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 6980103 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | 22767256 | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |

---

## Exhibit 99.6

**Exhibit 99.6**

 **Schedule 3 - Rating Agency Grades Report**

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

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 6980103 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.6

**Exhibit 99.6**

 **Schedule 4 - Valuation Report**

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

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** | **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** | **AVM FSD 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 | 6980103 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.7

**Exhibit 99.7**

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

![](ex997001.jpg)

**Selene Diligence LLC ("Selene") Due** <br> **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 08 2025 and December 30 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 63 ATR-QM Exempt loans and 38 Non-QM loans for a total of 101 loans the "Final Securitization Population").

*<u>Credit Reviews (101):</u>*

During the Review, Selene performed a credit review on 101 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (101):</u>*

During the Review, Selene performed a compliance review, when applicable on 101 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (101):</u>*

During the Review, Selene performed a property valuation review on 101 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (101):</u>*

During the Review, Selene performed a Data Integrity Review on 101 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 101 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | **Reviewed Total** | **% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | 101<br>| 100% |
| &nbsp;&nbsp;Compliance Population | 101 | 100% |
| &nbsp;&nbsp;Valuation Population | 101 | 100% |
| &nbsp;&nbsp;Data Integrity Population | 101 | 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, 5<sup>th</sup> Street Capital Underwriting Guidelines, LoanStream One Guide, Oaktree Funding Non-Agency Loan Eligibility Guidelines, Kind Lending Non-Agency Program Guidelines, LoanStream Core Guidelines, Northpointe Underwriting 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.

**<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, B, and C, 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.

**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 101 mortgage loans, (ii) a Compliance Review on 101 mortgage loans (iii) a Valuation Review on 101 mortgage loans, and (iv) a Data Integrity Review on 101 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 101 mortgage loans; 95 mortgage loans had a rating grade of A, 6 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 (101 overall loans):*** | &nbsp;&nbsp;***Grades per loan (101 overall loans):*** | &nbsp;&nbsp;***Grades per loan (101 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;36 | &nbsp;&nbsp;36 | &nbsp;&nbsp;36 | &nbsp;&nbsp;35.64% | &nbsp;&nbsp;A | &nbsp;&nbsp;95 | &nbsp;&nbsp;95 | &nbsp;&nbsp;95 | &nbsp;&nbsp;94.06% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.98% | &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;5.94% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;30 | &nbsp;&nbsp;30 | &nbsp;&nbsp;30 | &nbsp;&nbsp;29.70% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;33 | &nbsp;&nbsp;33 | &nbsp;&nbsp;33 | &nbsp;&nbsp;32.67% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

***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;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;101 | &nbsp;&nbsp;101 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;95 | &nbsp;&nbsp;95 | &nbsp;&nbsp;95 | &nbsp;&nbsp;94.06% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;5.94% |
| &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 | &nbsp;&nbsp;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 | &nbsp;&nbsp;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;101 | &nbsp;&nbsp;101 | &nbsp;&nbsp;101 | &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.

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

**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

**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;

&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.

**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;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;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;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;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;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;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.

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

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

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

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

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

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

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

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

**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;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;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;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

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> 

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.

**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):** 

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.

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

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

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

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

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

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;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)).

<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;** 

**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.

## Exhibit 99.7

**Exhibit 99.7**

 **Schedule 1 - Rating Agency Grades Summary Report**

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

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX |  | 9448048 | XXXX C A |
| XXXX |  | 9241894 | XXXX C A |
| XXXX |  | 9218060 | XXXX C A |
| XXXX |  | 9246380 | XXXX A |
| XXXX |  | 9246426 | XXXX A |
| XXXX |  | 9217079 | XXXX D A |
| XXXX |  | 9364405 | XXXX C A B |
| XXXX |  | 9246471 | XXXX C A B |
| XXXX |  | 9246529 | XXXX A |
| XXXX |  | 9246545 | XXXX A |
| XXXX |  | 9239087 | XXXX C A |
| XXXX |  | 9448055 | XXXX B A |
| XXXX |  | 9239202 | XXXX C A B |
| XXXX |  | 9448075 | XXXX A |
| XXXX |  | 9448086 | XXXX A |
| XXXX |  | 9448089 | XXXX A |
| XXXX |  | 9448077 | XXXX A |
| XXXX |  | 9448103 | XXXX D A |
| XXXX |  | 9448108 | XXXX A |
| XXXX |  | 9448113 | XXXX A |
| XXXX |  | 9448125 | XXXX A |
| XXXX |  | 9448127 | XXXX A |
| XXXX |  | 9448140 | XXXX A |
| XXXX |  | 9389134 | XXXX C A |
| XXXX |  | 9448210 | XXXX A |
| XXXX |  | 9448157 | XXXX A |
| XXXX |  | 9448158 | XXXX A |
| XXXX |  | 9448213 | XXXX A |
| XXXX |  | 9448214 | XXXX A |
| XXXX |  | 9448188 | XXXX A |
| XXXX |  | 9448175 | XXXX C A |
| XXXX |  | 9448222 | XXXX A |
| XXXX |  | 9389169 | XXXX C A |
| XXXX |  | 9389147 | XXXX A |
| XXXX |  | 9389254 | XXXX C A |
| XXXX |  | 9389296 | XXXX A |
| XXXX |  | 9389141 | XXXX D C A |
| XXXX |  | 9389284 | XXXX A D |
| XXXX |  | 9732609 | XXXX A |
| XXXX |  | 9732602 | XXXX C A |
| XXXX |  | 9732660 | XXXX C D A |
| XXXX |  | 9732635 | XXXX D A |
| XXXX |  | 9732639 | XXXX A D |
| XXXX |  | 9732617 | XXXX C A |
| XXXX |  | 9732569 | XXXX C A |
| XXXX |  | 9732661 | XXXX D A |
| XXXX |  | 9732600 | XXXX C A |
| XXXX |  | 9732615 | XXXX C A |
| XXXX |  | 9695110 | XXXX A |
| XXXX |  | 9732642 | XXXX D A |
| XXXX |  | 9732580 | XXXX D A |
| XXXX |  | 9732551 | XXXX C D A |
| XXXX |  | 9732622 | XXXX C A D |
| XXXX |  | 9732566 | XXXX C A |
| XXXX |  | 9732556 | XXXX D A |
| XXXX |  | 9732599 | XXXX C A |
| XXXX |  | 9732603 | XXXX C A |
| XXXX |  | 9732629 | XXXX A |
| XXXX |  | 9732657 | XXXX A D |
| XXXX |  | 9732579 | XXXX A |
| XXXX |  | 9732571 | XXXX C D A |
| XXXX |  | 9695087 | XXXX A |
| XXXX |  | 9732592 | XXXX C D A |
| XXXX |  | 9732662 | XXXX C A |
| XXXX |  | 9732549 | XXXX C A |
| XXXX |  | 9732555 | XXXX D A |
| XXXX |  | 9732550 | XXXX A |
| XXXX |  | 9732645 | XXXX C A D |
| XXXX |  | 9732568 | XXXX A D |
| XXXX |  | 9694915 | XXXX A C |
| XXXX |  | 9732631 | XXXX C A |
| XXXX |  | 9695116 | XXXX A |
| XXXX |  | 9732558 | XXXX D A |
| XXXX |  | 9732565 | XXXX A |
| XXXX |  | 9732649 | XXXX C A |
| XXXX |  | 9732593 | XXXX C A |
| XXXX |  | 9695128 | XXXX A |
| XXXX |  | 9732560 | XXXX A C D |
| XXXX |  | 9732663 | XXXX A |
| XXXX |  | 9732588 | XXXX C D A |
| XXXX |  | 9857540 | XXXX A |
| XXXX |  | 9389100 | XXXX A C |
| XXXX |  | 9732562 | XXXX C D A |
| XXXX |  | 9732601 | XXXX D A |
| XXXX |  | 9732614 | XXXX A D |
| XXXX |  | 9732586 | XXXX D A |
| XXXX |  | 9732630 | XXXX C A D |
| XXXX |  | 9857491 | XXXX C A |
| XXXX |  | 9732637 | XXXX C A |
| XXXX |  | 9732554 | XXXX D A B |
| XXXX |  | 9732611 | XXXX C A |
| XXXX |  | 9732585 | XXXX A |
| XXXX |  | 9732628 | XXXX D A |
| XXXX |  | 9732665 | XXXX D A |
| XXXX |  | 9732666 | XXXX A |
| XXXX |  | 9694925 | XXXX A D |
| XXXX |  | 9979485 | XXXX A D |
| XXXX |  | 9979416 | XXXX A |
| XXXX |  | 9979499 | XXXX B A |
| XXXX |  | 9979374 | XXXX A D |
| XXXX |  | 9979502 | XXXX C A |

---

## Exhibit 99.7

**Exhibit 99.7**

 **Schedule 2 - Valuation Report**

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

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX |  | 9448048 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 78.35 | 78.35 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9241894 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 63.0 | 63.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9218060 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.4 | XXXX |
| XXXX |  | 9246380 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9246426 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9217079 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.1 | XXXX |
| XXXX |  | 9364405 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.6 | XXXX |
| XXXX |  | 9246471 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9246529 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9246545 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9239087 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.1 | XXXX |
| XXXX |  | 9448055 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 77.66 | 77.66 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.8 | XXXX |
| XXXX |  | 9239202 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9448075 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9448086 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.2 | XXXX |
| XXXX |  | 9448089 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9448077 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9448103 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9448108 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.1 | XXXX |
| XXXX |  | 9448113 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.6 | XXXX |
| XXXX |  | 9448125 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9448127 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9448140 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9389134 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.4 | XXXX |
| XXXX |  | 9448210 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.2 | XXXX |
| XXXX |  | 9448157 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.29 | 64.29 | XXXX | XXXX |  |  | XXXX | XXXX | -.1000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1000 | XXXX | High Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9448158 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LowRisk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9448213 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 61.29 | 61.29 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9448214 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9448188 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9448175 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.5 | XXXX |
| XXXX |  | 9448222 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.5 | XXXX |
| XXXX |  | 9389169 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.5 | XXXX |
| XXXX |  | 9389147 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 0.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3.2 | XXXX |
| XXXX |  | 9389254 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9389296 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.4 | XXXX |
| XXXX |  | 9389141 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 68.65 | 68.65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9389284 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9732609 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9732602 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9732660 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9732635 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9732639 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 41.79 | 41.79 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9732617 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9732569 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.57 | 65.57 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9732661 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9732600 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 56.71 | 56.71 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.6 | XXXX |
| XXXX |  | 9732615 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.5 | XXXX |
| XXXX |  | 9695110 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.3 | XXXX |
| XXXX |  | 9732642 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 40.59 | 40.59 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9732580 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 76.9 | 76.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9732551 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9732622 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| XXXX |  | 9732566 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9732556 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.53 | 34.53 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| XXXX |  | 9732599 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9732603 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.5 | XXXX |
| XXXX |  | 9732629 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 28.25 | 28.25 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.7 | XXXX |
| XXXX |  | 9732657 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 73.81 | 73.81 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| XXXX |  | 9732579 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9732571 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9695087 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.97 | 64.97 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4.3 | XXXX |
| XXXX |  | 9732592 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 54.8 | 54.8 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9732662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 72.54 | 72.54 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9732549 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9732555 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9732550 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9732645 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  | XXXX |
| XXXX |  | 9732568 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9694915 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 55.17 | 55.17 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.3 | XXXX |
| XXXX |  | 9732631 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.6 | XXXX |
| XXXX |  | 9695116 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9732558 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.17 | 74.17 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9732565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.44 | 24.44 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9732649 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 59.29 | 59.29 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9732593 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9695128 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.7 | XXXX |
| XXXX |  | 9732560 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0862 | 2000 One Unit Appraisal Field Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.2026 | XXXX | High Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0862 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.6 | XXXX |
| XXXX |  | 9732663 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 37.01 | 37.01 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9732588 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.65 | 79.65 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9857540 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 57.66 | 57.66 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9389100 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | No Risk Score Provided | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9732562 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9732601 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72.26 | 72.26 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.9 | XXXX |
| XXXX |  | 9732614 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| XXXX |  | 9732586 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.5 | XXXX |
| XXXX |  | 9732630 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  | XXXX |
| XXXX |  | 9857491 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 53.9 | 53.9 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9732637 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9732554 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 53.12 | 53.12 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9732611 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 68.61 | 68.61 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9732585 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9732628 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9732665 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 74.87 | 74.87 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9732666 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 79.96 | 79.96 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9694925 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.7 | XXXX |
| XXXX |  | 9979485 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0281 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0281 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9979416 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.71 | 79.71 | XXXX | XXXX | .0192 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0192 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.5 | XXXX |
| XXXX |  | 9979499 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9979374 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 62.09 | 62.09 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.3 | XXXX |
| XXXX |  | 9979502 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 67.28 | 67.28 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.4 | XXXX |

---

## Exhibit 99.7

**Exhibit 99.7**

 **Schedule 3 - Data Compare Report**

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

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX |  | 9448048 | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9448048 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9448048 | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9448048 | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9448048 | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9448048 | XXXX | XXXX | hudClosingDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9448048 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9241894 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 9218060 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9218060 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9218060 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9217079 | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 9217079 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9217079 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9364405 | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9364405 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9364405 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9364405 | XXXX | XXXX | finalCdDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9246471 | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9246471 | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9246471 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9246529 | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9246545 | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9246545 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9239087 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9448055 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9239202 | XXXX | XXXX | the1008Page | XXXX | XXXX | XXXX |
| XXXX |  | 9239202 | XXXX | XXXX | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX |  | 9239202 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9448075 | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9448089 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9448103 | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9448108 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9448125 | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9448125 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9448125 | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9448125 | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9448125 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9448127 | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9448127 | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9448140 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389134 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389134 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389134 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389134 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389134 | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389134 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9448210 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9448157 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9448214 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9448175 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9448222 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389169 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389169 | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389169 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389147 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389147 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389147 | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389147 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389254 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389254 | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389254 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389254 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389296 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389296 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389296 | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389296 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389296 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389296 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389296 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389141 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 9389141 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389141 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389141 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389284 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389284 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389284 | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389284 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732609 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732602 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732660 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732660 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732635 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732635 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732635 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732635 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732639 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732639 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732639 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732617 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732617 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732617 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732617 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732569 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732569 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732569 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732661 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732661 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732661 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732661 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732661 | XXXX | XXXX | hudClosingDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732600 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732615 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732615 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9695110 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9695110 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9695110 | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9695110 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732642 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732642 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732642 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732580 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732580 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732580 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732551 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732551 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732551 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732551 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732622 | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732622 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732622 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732622 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732622 | XXXX | XXXX | fraudReportPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732566 | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732566 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732566 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732566 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732566 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732556 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732556 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732556 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732556 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732556 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732599 | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732599 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732599 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732599 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732599 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732599 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732603 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732603 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732603 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732603 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732603 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732629 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732629 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732629 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732629 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732629 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732629 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732657 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732657 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732657 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732657 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732579 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732579 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732579 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732571 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732571 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732571 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732571 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9695087 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9695087 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9695087 | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9695087 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9695087 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9695087 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732592 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732592 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732592 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732592 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732592 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732662 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732662 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732662 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732549 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732555 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732555 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732550 | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732550 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732550 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732550 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732550 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732645 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732645 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732645 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732568 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732568 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732568 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9694915 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9694915 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9694915 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732631 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732631 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732558 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732558 | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732558 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732558 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732558 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732558 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732565 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732565 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732565 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732649 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732649 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732649 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732649 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732593 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732593 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9695128 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9695128 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9695128 | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9695128 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9695128 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732560 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732560 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732663 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732663 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732663 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732663 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732588 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732588 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732588 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389100 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389100 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389100 | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389100 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389100 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389100 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732562 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732562 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732562 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732601 | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732601 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732601 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732614 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732614 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732614 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732614 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732586 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732586 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732586 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732630 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732630 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857491 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857491 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857491 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857491 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857491 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857491 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732637 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732637 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732637 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732637 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732637 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732554 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732554 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732611 | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732611 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732611 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732611 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732585 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732585 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732585 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732628 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732628 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732628 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732665 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732665 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732665 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732665 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732665 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732666 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732666 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732666 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9694925 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9694925 | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9694925 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9979485 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9979485 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9979499 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9979499 | XXXX | XXXX | TitlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9979499 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9979374 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9979502 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |

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## Exhibit 99.7

**Exhibit 99.7**

 **Schedule 4 - Standard Findings Report**

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

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | XXXX |  | 9448048 | Closed | 2025-05-15 14:43 | 2025-06-17 14:13 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Email from the lender provided that was paid off directing title to cross out XXXXXXXX since non-borrower was not vested on title. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-X/XX/XX - XX - Please refer to uploaded documents which support clear title transfer<br> 1. Recorded deed directly from XXXXXXX (seller) to XXXXXXX (our borrower) – XXXXXXXX is not on the deed<br> 2. Chain of title from preliminary title report which shows that XXXXXXX granted the property only to XXXXXXX<br> 3. Email from the lender that was paid off directing title to cross out XXXXXXXX since he was not vested on title<br> 4. Confirmation of the email<br>I believe that all the above documents support that XXXX XXXXXXX was the only one on the loan being paid off as well as being the only on title. My guess is that XXXXXXXX appearance was a clerical error, however, it is clearly supported that he never had any rights to the property or was obligated on the loan. <br>- XXXXXX-XX/XX/XXXX <br>Counter-The person named on the business entity is XXXXXX and the person named on the payoff and LOE is XXXXXXX. Management has sent email. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-X/X/XX - XX - Please note that the sponsor shows as being on title and transferred title via the warranty deed. Additionally, the person named on the lien being paid off is an entity member of the borrowing entity, therefore, nothing else should be required. - XXXXXX-XX/XX/XXXX <br>Counter-As per Letter of Explanation page XXX and Payoff statement the prior mortgage of subject property has someone else's name as well. The attached Warranty Deed is for the borrower to the business. Requesting to provide Warranty Deed removing Non-borrower. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX/XX - XX - Uploaded fully executed Warranty Deed and borrower LOE regarding chain of title - XXXXXX-XX/XX/XXXX <br>Counter-The attached Warranty Deed is for the borrower to the business. Requesting to provide Warranty Deed removing Non-borrower. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. in file initially delivered labelled as "signed-WD" - XXXXXX-XX/XX/XXXX <br>Open-As per Letter of Explanation page XXX and Payoff statement the prior mortgage of subject property has someone else's name as well. Requesting to provide Warranty or Grant Deed. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-X/XX/XX - XX - Please refer to uploaded documents which support clear title transfer<br> 1. Recorded deed directly from XXXXXXX (seller) to XXXXXXX (our borrower) – XXXXXXXX is not on the deed<br> 2. Chain of title from preliminary title report which shows that XXXXXXX granted the property only to XXXXXXX<br> 3. Email from the lender that was paid off directing title to cross out XXXXXXXX since he was not vested on title<br> 4. Confirmation of the email<br>I believe that all the above documents support that XXXX XXXXXXX was the only one on the loan being paid off as well as being the only on title. My guess is that XXXXXXXX appearance was a clerical error, however, it is clearly supported that he never had any rights to the property or was obligated on the loan. <br>- XXXXXX-XX/XX/XXXX <br>Ready for Review-X/X/XX - XX - Please note that the sponsor shows as being on title and transferred title via the warranty deed. Additionally, the person named on the lien being paid off is an entity member of the borrowing entity, therefore, nothing else should be required. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX/XX - XX - Uploaded fully executed Warranty Deed and borrower LOE regarding chain of title - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. in file initially delivered labelled as "signed-WD" - XXXXXX-XX/XX/XXXX<br>| Resolved-Email from the lender provided that was paid off directing title to cross out XXXXXXXX since non-borrower was not vested on title. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4156650 | N/A | N/A |
| XXXX | XXXX |  | 9448048 | Closed | 2025-05-15 14:30 | 2025-05-20 15:13 | Resolved | 1 - Information C A | Credit | Doc Issue | Application Missing | Resolved-The Borrower Experience section of the application is provided. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX/XX - XX - Uploaded the REO schedule with corresponding property profile to support borrower experience. - XXXXXX-XX/XX/XXXX <br>Open-The Borrower Experience section of the application is blank. Requesting updated Application. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. X/XX/XX - XX - Uploaded the REO schedule with corresponding property profile to support borrower experience. - XXXXXX-XX/XX/XXXX<br>| Resolved-The Borrower Experience section of the application is provided. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4156500 | N/A | N/A |
| XXXX | XXXX |  | 9448048 | Closed | 2025-05-12 00:56 | 2025-05-19 03:32 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated corrected sizer uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX/XX - XX - Uploaded corrected sizer. - XXXXXX-XX/XX/XXXX <br>Open-DSCR Variance more than X.XX, Originator DSCR X.XX & Calculated DSR X.XX calculation validating the correct DSCR is as follows: Rents of $XXXX/ PITIA XXXX.XX= X.XX DSCR<br> The rent schedule appears on page XX, Lease on page XXX & DSCR Seizer on page XXX.<br> - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. X/XX/XX - XX - Uploaded corrected sizer. - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated corrected sizer uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4109203 | N/A | N/A |
| XXXX | XXXX |  | 9241894 | Closed | 2025-07-10 10:05 | 2025-07-15 08:10 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing letter of explanation | Resolved-LOX for vacancy received. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Property just built XXXX and completed. - XXXXX-XX/XX/XXXX <br>Open-Please provide LOX for cause of vacancy - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | Resolved-LOX for vacancy received. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4767007 | N/A | N/A |
| XXXX | XXXX |  | 9218060 | Closed | 2025-07-14 00:51 | 2025-07-28 06:22 | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-EIN doc provided. Resolved - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. EIN - XXXXXX-XX/XX/XXXX <br>Open-Entity Formation Doc Indicator is Missing. EIN Identification Number proof is missing in the file - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. EIN - XXXXXX-XX/XX/XXXX<br>| Resolved-EIN doc provided. Resolved - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4799808 | N/A | N/A |
| XXXX | XXXX |  | 9218060 | Closed | 2025-07-14 01:09 | 2025-07-22 12:13 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-VOM provided and updated. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. VOM - XXXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXX Requirements As per 1003 borrower currently stayed in rental property "XXX XXXXXXXXXXX XXX" but there is no VOR or Rent paid receipts in the file and 1003 does n't reflect the rent amount. required VOR and updated 1003 with correct rent amount. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. VOM - XXXXXX-XX/XX/XXXX<br>| Resolved-VOM provided and updated. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4799851 | N/A | N/A |
| XXXX | XXXX |  | 9218060 | Closed | 2025-07-14 01:58 | 2025-07-22 12:12 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Resolved- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X months rents - XXXXXX-XX/XX/XXXX <br>Open-As per DSCR worksheet page XXX higher rent from lease used for qualification. per GL version XX/XX/XXXX, Required evidence of X months rent required, but there is no proof in the file. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. X months rents - XXXXXX-XX/XX/XXXX<br>| Resolved- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4799991 | N/A | N/A |
| XXXX | XXXX |  | 9218060 | Closed | 2025-07-14 01:22 | 2025-07-21 05:36 | 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> - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Fraud report shows one uncleared finding on high category. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4799886 | N/A | N/A |
| XXXX | XXXX |  | 9217079 | Closed | 2025-07-20 22:07 | 2025-07-28 06:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower X Credit Report provided. Resolved - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Credit Report - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Credit Report is Missing. Provide BX credit report as it is missing from file. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Credit Report - XXXXXX-XX/XX/XXXX<br>| Resolved-Borrower X Credit Report provided. Resolved - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4881965 | N/A | N/A |
| XXXX | XXXX |  | 9217079 | Closed | 2025-07-20 22:07 | 2025-07-28 06:20 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets XXXXXXXX Requirements - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. VOR - VOR<br> Borrowers purchased primary in XXXX. There are X mtg's on credit (all of which belong to the borrower's primary). The $XXK loan in XXXX reported for XX mths before being paid with new loan of $XXX,XXX opened in XXXX XXXX. <br> - XXXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXX Requirements Per the XXXXXXXX XX.XX.XXXX page XX, the borrower is required to have a XX month housing history. The file contains a credit supplement on page XXX with months reviewed as X. Document housing history is short by X months. <br> - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. VOR - VOR<br> Borrowers purchased primary in XXXX. There are X mtg's on credit (all of which belong to the borrower's primary). The $XXK loan in XXXX reported for XX mths before being paid with new loan of $XXX,XXX opened in XXXX XXXX. <br> - XXXXXX-XX/XX/XXXX<br>| Resolved-Housing History Meets XXXXXXXX Requirements - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4881964 | N/A | N/A |
| XXXX | XXXX |  | 9217079 | Closed | 2025-07-20 22:07 | 2025-07-28 06:20 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Updated 1008 with corrected FICO score provided. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. 1008 - Seller-XX/XX/XXXX <br>Open-Qualifying FICO on the 1008 Page is '641' or blank, but the Qualifying FICO from the Credit Liabilities Page is '653' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Another finding in place for missing B2 credit report. Once it is received, B2 FICO will be updated and FICO and it should be inline with 1008 FICO. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. 1008 - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Updated 1008 with corrected FICO score provided. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4881969 | N/A | N/A |
| XXXX | XXXX |  | 9217079 | Closed | 2025-07-21 12:41 | 2025-07-28 06:17 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-DSCR worksheet matches our calculations - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR Calculations - Seller-XX/XX/XXXX <br>Open-Calulated DSCR is 0.902, per DSCR calc worksheet in file, dscr is .86. Please provide updated DSCR worksheet. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. DSCR Calculations - Seller-XX/XX/XXXX<br>| Resolved-DSCR worksheet matches our calculations - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4892349 | N/A | N/A |
| XXXX | XXXX |  | 9217079 | Closed | 2025-07-20 22:19 | 2025-07-24 02:11 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XXXXXXXXX XXXXXXX XX.XX.XXXX page 32 a clear fraud report is required. The fraud report in file (page 190) s showing 3 low uncleared alerts. The required cleared report is missing.<br> - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4881991 | N/A | N/A |
| XXXX | XXXX |  | 9364405 | Closed | 2025-07-29 19:35 | 2025-08-05 14:42 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Agent confirmed policy has replacement cost. Agent is unable to provide estimator due to the information being proprietary. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Per UW "The replacement cost per the email from the agent attached to the condition is XXX% of the dwelling coverage. Cannot ask the HOI to extend beyond the replacement cost. There is sufficient coverage based on replacement cost." - Seller-XX/XX/XXXX <br>Counter-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No'. Policy covers XXX,XXX + XX% = XXX,XXX. This does not cover full amount required. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Provide Hazard Insurance coverage sufficient to cover loan amount of $XXX,XXX or provide Replacement cost estimator used. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Per UW "The replacement cost per the email from the agent attached to the condition is XXX% of the dwelling coverage. Cannot ask the HOI to extend beyond the replacement cost. There is sufficient coverage based on replacement cost." - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Agent confirmed policy has replacement cost. Agent is unable to provide estimator due to the information being proprietary. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4988850 | N/A | N/A |
| XXXX | XXXX |  | 9364405 | Closed | 2025-07-24 00:22 | 2025-08-01 08:13 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <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)). Provide COC to cure the tolerance caused by an increase in Loan discount points. Initial discount point increased to $XX,XXX. Initial LE disclosed $XX,XXX.XX. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4928712 | N/A | N/A |
| XXXX | XXXX |  | 9364405 | Closed | 2025-07-23 23:19 | 2025-07-29 19:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Audited FICO of 755 is less than XXXXXXXXX FICO of 760 Per XXXXXXXXX XXXXXXX XX-XX-XXXX, page #34, a 760 FICO score is required to qualify for XX% LTV. However, the qualifying FICO score is 755. An exception is noted on page #387, XX% LTV with a 755 score (guidelines require 760) on a 12 month business bank statement loan. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Audited FICO of 755 is less than XXXXXXXXX FICO of 760 Per XXXXXXXXX XXXXXXX XX-XX-XXXX, page #34, a 760 FICO score is required to qualify for XX% LTV. However, the qualifying FICO score is 755. An exception is noted on page #387, XX% LTV with a 755 score (guidelines require 760) on a 12 month business bank statement loan. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  | Borrower(s) have 15.28 months Reserves. Minimum required per guidelines is 6 months.<br> DTI is 36.95%. Maximum allowed per guidelines is 50%.<br> Borrower Housing History is 0X30x24 months. Housing History required per guidelines is 0X30, 12 months. | XXXX | Primary Residence | Purchase | NA | 4928381 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 9246471 | Closed | 2025-07-29 14:19 | 2025-08-01 13:51 | Waived | 2 - Non-Material C B | Credit | Credit | Lender Approval Form is Missing | Waived-Document Uploaded. Loan exception for DSCR <1.00 using the market rent provided on the 1025 resulting in a DSCR of 0.969%. GL for .80-<1.00 DSCR requires a 700 FICO and max LTV of XX%. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded Credit Memo reflecting approved exception for DSCR and Sizer with correct DSCR. - Seller-XX/XX/XXXX <br>Open-Per the GL market rent from 1025 is to be utilized to establish market rents when multiple sources are obtained. Credit Sizer v2 in file utilized the RentRange estimate and not the 1025. Provide a revised Credit Sizer v2 to qualify borrower's DSCR. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded Credit Memo reflecting approved exception for DSCR and Sizer with correct DSCR. - Seller-XX/XX/XXXX<br>| Waived-Document Uploaded. Loan exception for DSCR <1.00 using the market rent provided on the 1025 resulting in a DSCR of 0.969%. GL for .80-<1.00 DSCR requires a 700 FICO and max LTV of XX%. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  | Comp Factor #1: Reserves 32 months calculated.<br>Comp Factor #2: Experienced borrower with 5 investment properties listed of which four have been sold and one has been retained in addition to the subject investment property. | XXXX | Investment | Refinance | Cash Out - Other | 4986446 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 9239087 | Closed | 2025-08-12 04:43 | 2025-08-14 06:35 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Reserves are less than GL required, provide HUD-1(Proceeds from sale), changes made in system, Finding Resolved - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Audited Reserves of XX.X month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded final HUD from another CV3 refi to document proceeds along with a corrected sizer to reflect adequate funds for reserves. - Seller-XX/XX/XXXX <br>Open-Audited Reserves of X.X month(s) are less than XXXXXXXXX Required Reserves of X month(s) Required additional assets to qualify reserves. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded final HUD from another CV3 refi to document proceeds along with a corrected sizer to reflect adequate funds for reserves. - Seller-XX/XX/XXXX<br>| Resolved-Reserves are less than GL required, provide HUD-1(Proceeds from sale), changes made in system, Finding Resolved - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Audited Reserves of XX.X month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 5141553 | N/A | N/A |
| XXXX | XXXX |  | 9448055 | Closed | 2025-12-26 09:37 | 2025-12-26 09:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-The max LTV for a refi rate and term with a previous active listing is XX%. The LTV at origination is XX.XX%. Exceeding max allowed by X.XX%. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-The max LTV for a refi rate and term with a previous active listing is XX%. The LTV at origination is XX.XX%. Exceeding max allowed by X.XX%. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  | 703 Representative credit score exceeds the minimum required of 660 by 43 points<br> $75,773 reserves exceed the minimum required of $8,636 exceeds the minimum by 9 months over the required minimum.<br> 0x30 mortgage history for 25 months.<br> DSCR ratio of 1.35 exceeds the minimum requirement of 1 by 0.35 points. | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6813698 | Investor Post-Close | No |
| XXXX | XXXX |  | 9239202 | Closed | 2025-09-05 03:59 | 2025-09-10 16:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception approved in findings for XXX XXXX XXXXXX to allow a loan amount $XX,XXX with a cumulative loan amount of $XXX,XXX. <br> - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded a Credit Memo reflecting the original exception - Seller-XX/XX/XXXX <br>Open-Audited Loan Amount is less than XXXXXXXXX Minimum Loan Amount As per Guidelines Minimum Loan amount is $XXX,XXX for Cross Collateral loan but Loan amount is $XXX,XXX Which is Not meet Guidelines requirements hence finding opened Need supporting doc on same. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded a Credit Memo reflecting the original exception - Seller-XX/XX/XXXX<br>| Waived-Exception approved in findings for XXX XXXX XXXXXX to allow a loan amount $XX,XXX with a cumulative loan amount of $XXX,XXX. <br> - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  | Compensating Factors:<br> 1. FICO - 744 - Minimum Required FICO Score 680<br> 2. Experienced borrower - 12 investment properties - Minimum Required is 3 properties<br> 3. Reserves - 4 months required, 30.22 available | XXXX | Investment | Refinance | Cash Out - Other | 5422428 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 9448103 | Closed | 2025-09-09 11:20 | 2025-11-17 06:03 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' - Due Diligence Vendor-11/17/2025 <br> Resolved-Resolved. Lender provided 100% access letter for the accounts in the business name. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. 11/13 JM - Uploaded 100% access letter from XXXX (XXXX & XXXX of XXXX XXXX) for all accounts used to qualify - XXXX Acct# XXXX, XXXX & XXXX Acct# XXXX. - Seller-11/14/2025 <br> Open-Per guidelines, section 6.5 Note: Funds from a non-borrowing entity are eligible as follows: <br> § Borrower/sponsor has documented interest in entity with 100% access letter, or <br> § Account held by an entity member who is not XXXX sponsor with accounts held in their individual <br> name or in their documented single member entity name <br> XXXX acct # XXXX and XXXX acct# XXXX are in the name of the business XXXX. There is a CA SOS in file that reflects borrower as the CEO and another individual as the CFO. There is no other documentation in file to support the % of ownership the borrower has in this business. Missing proof of borrower's % ownership in XXXX. - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. 11/13 JM - Uploaded 100% access letter from XXXX (XXXX & XXXX of XXXX) for all accounts used to qualify - XXXX# XXXX, XXXX & XXXX Acct# XXXX. - Seller-11/14/2025 | Resolved-Validation Resolved' - Due Diligence Vendor-11/17/2025 <br>Resolved-Resolved. Lender provided 100% access letter for the accounts in the business name. - Due Diligence Vendor-11/14/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 5469292 | N/A | N/A |
| XXXX | XXXX |  | 9389134 | Closed | 2025-09-12 10:48 | 2025-09-17 08:20 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed. Finding resolved. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Seller-09/16/2025 <br> Open-The final 1003 in file borrower signature date is XXXX but the note date is XXXX. Missing copy of the final 1003 that was signed XXXX. - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Resolved-The Final 1003 is Executed. Finding resolved. - Due Diligence Vendor-09/17/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5518347 | N/A | N/A |
| XXXX | XXXX |  | 9389134 | Closed | 2025-09-12 09:05 | 2025-09-17 08:18 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Lender provided the XXXX statement which covers the gap. Finding resolved. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. The XXXX is on the Statement of XXXX - XXXX already. - Seller-09/15/2025 <br> Open-Per guidelines section 7.5.1, Account Statements should cover most recent one full month period of account activity (30 - days) period<br> •o Transaction histories may not be utilized in place of one full month account statement. Transaction histories may only be used in addition to the statement to evidence updated balances.<br> XXXX acct#XXXX have statement ending XXXX. There are two transaction histories in file, one from XXXX-XXXX and XXXX to XXXX. Missing transaction history for XXXX. - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. The XXXX is on the Statement of XXXX - XXXX already. - Seller-09/15/2025 | Resolved-Lender provided the XXXX statement which covers the gap. Finding resolved. - Due Diligence Vendor-09/17/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5515846 | N/A | N/A |
| XXXX | XXXX |  | 9448175 | Closed | 2025-09-17 14:53 | 2025-09-25 07:12 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-The Merger Deed provided is executed and based on Title, loan is now fee simple. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. 9/23/25 - WJ - Uploaded executed Merger Deed - Seller-09/23/2025 <br> Open-Loan does not conform to program guidelines The Title is Fee Simple based on recording of a Ground Rent Merger Deed. The Merger Deed provided page 154 is not executed. The loan continues to show as a Leasehold. As per guidelines XXXX page 50 / 85, Leaseholds are not eligible. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. 9/23/25 - WJ - Uploaded executed Merger Deed - Seller-09/23/2025<br>| Resolved-The Merger Deed provided is executed and based on Title, loan is now fee simple. - Due Diligence Vendor-09/25/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 5577136 | N/A | N/A |
| XXXX | XXXX |  | 9389169 | Closed | 2025-09-22 06:11 | 2025-10-10 11:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 10.22 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. - Seller-10/09/2025 <br> Counter-Provide a PCCD for the revised settlement statement provided for the revised closing figures. - Due Diligence Vendor-10/07/2025 <br> Open-Audited Reserves of 2.61 month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. Incorrect Matrix was input---8.6 matrix was utilized and only 3 months reserves are required. thank you! - Seller-10/02/2025 <br> Counter-Matrix XXXX Primary Residence LTV 85% minimum 6 months reserves required. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. - Seller-09/29/2025 <br> Counter-Per guidelines section 7.4 Gif Funds/Gift of Equity, Gift funds may NOT be used to meet reserve requirements. Updated asset screen as emd was input as $XXXX and not $XXXX. Borrower only has 2.61 months reserves. Short -$XXXX. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-The gift of equity that was wired directly to title + the XXXX XXXX with ending balance of $XXXX is more than enough to cover the reserves. Thank you - Seller-09/23/2025 <br> Open-Audited Reserves of 4.3 month(s) are less than Guideline Required Reserves of 6 month(s) Guideline Required Reserves of 6 months per guideline matrix XXXX and only have 4.3 months. Missing additional assets for reserves. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-10/09/2025 <br> Ready for Review-Document Uploaded. Incorrect Matrix was input---8.6 matrix was utilized and only 3 months reserves are required. thank you! - Seller-10/02/2025 <br> Ready for Review-Document Uploaded. - Seller-09/29/2025 <br> Ready for Review-The gift of equity that was wired directly to title + the XXXX XXXX with ending balance of $XXXX is more than enough to cover the reserves. Thank you - Seller-09/23/2025 | Resolved-Audited Reserves of 10.22 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-10/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5615036 | N/A | N/A |
| XXXX | XXXX |  | 9389169 | Closed | 2025-09-22 11:58 | 2025-09-25 07:49 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Lender provided updated hazard insurance policy reflecting expiration of XXXX. Finding resolved. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-Hazard Insurance Expiration Date of XXXX is prior to or equal to the Note Date of XXXX Hazard insurance in file reflects effective date of XXXX and expiration date of XXXX. Per final closing disclosure in file, loan funded XXXX. Missing proof of hazard insurance that has an expiration past the loan funding date. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Lender provided updated hazard insurance policy reflecting expiration of XXXX. Finding resolved. - Due Diligence Vendor-09/25/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5622286 | N/A | N/A |
| XXXX | XXXX |  | 9389169 | Closed | 2025-09-22 06:07 | 2025-10-10 11:24 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-10/10/2025 <br>Resolved-The loan's (8.492%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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#'s349-350 and the Final Closing disclosure on Pg#'s178, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s175, 359. An interior and exterior appraisal was completed for this property – see pg#17, the appraisal disclosure was provided to the borrower(s)- see Pg#'s395, and confirmation the appraisal was delivered to the borrower – see Pg#'s199. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-09/22/2025 <br>Open- - Due Diligence Vendor-09/22/2025 <br>Open- - Due Diligence Vendor-09/22/2025 |  | Resolved-. - Due Diligence Vendor-10/10/2025 <br>Resolved-The loan's (8.492%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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#'s349-350 and the Final Closing disclosure on Pg#'s178, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s175, 359. An interior and exterior appraisal was completed for this property – see pg#17, the appraisal disclosure was provided to the borrower(s)- see Pg#'s395, and confirmation the appraisal was delivered to the borrower – see Pg#'s199. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-09/22/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 5614972 | N/A | N/A |
| XXXX | XXXX |  | 9389169 | Closed | 2025-09-22 06:07 | 2025-10-10 11:24 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-. - Due Diligence Vendor-10/10/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.492%) equals or exceeds the California HPML threshold of (8.13%). 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 (6.63%).(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#'s349-350 and the Final Closing disclosure on Pg#'s178, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s175, 359. An interior and exterior appraisal was completed for this property – see pg#17, the appraisal disclosure was provided to the borrower(s)- see Pg#'s395, and confirmation the appraisal was delivered to the borrower – see Pg#'s199. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-09/22/2025 <br>Open- - Due Diligence Vendor-09/22/2025 <br>Open- - Due Diligence Vendor-09/22/2025 |  | Resolved-. - Due Diligence Vendor-10/10/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.492%) equals or exceeds the California HPML threshold of (8.13%). 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 (6.63%).(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#'s349-350 and the Final Closing disclosure on Pg#'s178, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s175, 359. An interior and exterior appraisal was completed for this property – see pg#17, the appraisal disclosure was provided to the borrower(s)- see Pg#'s395, and confirmation the appraisal was delivered to the borrower – see Pg#'s199. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-09/22/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 5614973 | N/A | N/A |
| XXXX | XXXX |  | 9389254 | Closed | 2025-09-23 23:48 | 2025-09-26 01:47 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-12 months rent payment proof provided. Housing History Meets Guideline Requirements<br> - Due Diligence Vendor-09/26/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing 12 month VOR/Housing history. - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-12 months rent payment proof provided. Housing History Meets Guideline Requirements<br> - Due Diligence Vendor-09/26/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-09/26/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5647337 | N/A | N/A |
| XXXX | XXXX |  | 9389254 | Closed | 2025-09-24 01:09 | 2025-09-29 09:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.344%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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 558 and the Final Closing disclosure on page 392 reflects escrows. Rate lock date was entered correctly – see page 569. An interior and exterior appraisal was completed for this property – see page 20, the appraisal disclosure was provided to the borrower(s)- see page 55 and copy of the appraisal was given to the borrower – see page 606. The loan meets HPML guidelines. - Due Diligence Vendor-09/29/2025 <br>Ready for Review-condition says resolved. clear condition to clear loan - Seller-09/26/2025 <br>Open- - Due Diligence Vendor-09/26/2025 <br>Resolved-The loan's (8.344%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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 558 and the Final Closing disclosure on page 392 reflects escrows. Rate lock date was entered correctly – see page 569. An interior and exterior appraisal was completed for this property – see page 20, the appraisal disclosure was provided to the borrower(s)- see page 55 and copy of the appraisal was given to the borrower – see page 606. The loan meets HPML guidelines. - Due Diligence Vendor-09/24/2025 <br>Open- - Due Diligence Vendor-09/24/2025 <br>Open- - Due Diligence Vendor-09/24/2025 | Ready for Review-condition says resolved. clear condition to clear loan - Seller-09/26/2025<br>| Resolved-The loan's (8.344%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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 558 and the Final Closing disclosure on page 392 reflects escrows. Rate lock date was entered correctly – see page 569. An interior and exterior appraisal was completed for this property – see page 20, the appraisal disclosure was provided to the borrower(s)- see page 55 and copy of the appraisal was given to the borrower – see page 606. The loan meets HPML guidelines. - Due Diligence Vendor-09/29/2025 <br>Resolved-The loan's (8.344%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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 558 and the Final Closing disclosure on page 392 reflects escrows. Rate lock date was entered correctly – see page 569. An interior and exterior appraisal was completed for this property – see page 20, the appraisal disclosure was provided to the borrower(s)- see page 55 and copy of the appraisal was given to the borrower – see page 606. The loan meets HPML guidelines. - Due Diligence Vendor-09/24/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 5647797 | N/A | N/A |
| XXXX | XXXX |  | 9389254 | Closed | 2025-09-24 01:09 | 2025-09-29 09:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the California XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). 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 XX CFR §XXXX.XX, 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 XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-clear condition if resolved this opened up today. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the California XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). 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 XX CFR §XXXX.XX, 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 XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-clear condition if resolved this opened up today. - Seller-XX/XX/XXXX<br>| Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the California XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). 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 XX CFR §XXXX.XX, 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 XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the California XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). 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 XX CFR §XXXX.XX, 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 XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 5647799 | N/A | N/A |
| XXXX | XXXX |  | 9389141 | Closed | 2025-10-07 00:25 | 2025-10-16 07:50 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section based on ability to shop | Resolved-PCCD updated, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-As per Final CD page XXX Title Fee's reflecting in B section (Title Endorsement Fee, Title Notary Fee, Title Recording service Fee) are paid to provider XXXXX XXXXXXXX XXXXXXX, that's not on provider List page XXX, but the Fee's are still in Section B, Move the Fee's to Section C or Provide updated service provider. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-PCCD updated, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5797664 | N/A | N/A |
| XXXX | XXXX |  | 9389141 | Closed | 2025-10-06 23:11 | 2025-10-15 01:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Provide VOE document for BX as its missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5796559 | N/A | N/A |
| XXXX | XXXX |  | 9389284 | Closed | 2025-10-16 07:18 | 2025-10-22 08:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Resolved. The BX signature on XX/XX/XXXX was notarized for the DOT. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The acknowledgement is already in file. page XXX of loan package - Seller-XX/XX/XXXX <br>Counter-BX signed after the notary date on the security instrument. Provide satisfactory resolution as the PCCD does not resolve this matter. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Missing The signature date for BX is XX/XX/XXXX (page #XXX) which is after the the notary date of XX/XX/XXXX. Provide satisfactory LOE. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. The acknowledgement is already in file. page XXX of loan package - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. The BX signature on XX/XX/XXXX was notarized for the DOT. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5914623 | N/A | N/A |
| XXXX | XXXX |  | 9389284 | Closed | 2025-10-16 07:22 | 2025-10-21 07:40 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Date is missing or inaccurate | Resolved-Resolved. Entered PCCD-pass. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The signature date for BX is XX/XX/XXXX (page #XXX) which is after the the disbursement & notary date of XX/XX/XXXX. Provide PCCD. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Entered PCCD-pass. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5914690 | N/A | N/A |
| XXXX | XXXX |  | 9389284 | Closed | 2025-10-21 07:34 | 2025-10-21 07:39 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <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: Doc Tax Stamps/Transfer Taxes – City/County. 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. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 5956516 | N/A | N/A |
| XXXX | XXXX |  | 9732602 | Closed | 2025-10-16 04:00 | 2025-10-20 08:40 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts The XXXXXXXXX XXXXXXXXX XXXXXXX Alerts Summary document shows a total of X Medium alerts, only X of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 5912886 | N/A | N/A |
| XXXX | XXXX |  | 9732660 | Closed | 2025-10-17 03:53 | 2025-10-20 12:50 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts The XXXXXXXXX XXXXXXXXX XXXXXXX Alerts Summary document shows a total of X High alerts, only X of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 5927356 | N/A | N/A |
| XXXX | XXXX |  | 9732660 | Closed | 2025-10-17 07:14 | 2025-10-17 12:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-The document received is still marked as "Estimated" and without the Escrow Officer signature/stamp, but it is identified by the lender as the Final. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final Settlement Statement signed by all parties - Seller-XX/XX/XXXX <br>Open-Final HUD-X Document is Preliminary/Estimated Only. The Settlement Statement provided is marked as "Estimated" and is not signed/stamped/marked as a Final by the Settlement Agent. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final Settlement Statement signed by all parties - Seller-XX/XX/XXXX<br>| Resolved-The document received is still marked as "Estimated" and without the Escrow Officer signature/stamp, but it is identified by the lender as the Final. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 5929038 | N/A | N/A |
| XXXX | XXXX |  | 9732635 | Closed | 2025-10-17 02:52 | 2025-10-31 00:41 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Higher DTI front end per TPR review does not breach Lender GL - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Based on docs income is the same at XX,XXX.XX Credit report has the primary payment at XXXX. Still not lining up with the front end DTI ofX.XXX. Should be XX.XX for the front and rent loss at XXX.XX for the investment properties excluding subject +XX.XX liabilities gives total of XXXX+XXX.XX+XX.XX+XXXX.XX= XX.XX for the back end DTI. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX/XXXX with updated income to match which brings DTI to X.XX/X.XX% - Seller-XX/XX/XXXX <br>Counter-Front End DTI is still not in line. Based on mortgage for the primary monthly payment is X,XXX/XX,XXX.XX= XX.XX for the front end. With the revised XXXX rent loss for other investment properties is at - XXX.XX+XX.XX credit+XXXX the primary and if excluding the subject property gives amount of XXXX.XX/XX,XXX.XX=XX.XX for the back end DTI. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX/XXXX. Removed rents from the subject property - Seller-XX/XX/XXXX <br>Counter-Front End DTI is at X.XX with monthly payment at XXXX/XX,XXX.XX=X.XX Back End DTI is at XXXX+XX.XX XXXX/XX,XXX.XX=X.XX Also not using loss of income for the subject based on XXXX it is at XXXX market rents XXXX.XX-XXXX= XXX.XX loss for the subject which would put the back end at X,XXX.XX/XX,XXX.XX= X.XXX back end - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX showing income and liabilities - Seller-XX/XX/XXXX <br>Open-Audited DTI is XX.XX% and lender DTI is XX.XX% The difference is X.XX% This is due to that (X) lender considered monthly income as$XX,XXX.XX whereas our calculated income is $XX,XXX.XX. (X) lender considered monthly debt as XXXX.XX whereas per our calculations it is only $XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX/XXXX with updated income to match which brings DTI to X.XX/X.XX% - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX/XXXX. Removed rents from the subject property - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX showing income and liabilities - Seller-XX/XX/XXXX<br>| Resolved-Higher DTI front end per TPR review does not breach Lender GL - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 5927088 | N/A | N/A |
| XXXX | XXXX |  | 9732635 | Closed | 2025-10-16 23:24 | 2025-10-22 14:31 | 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-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 5926229 | N/A | N/A |
| XXXX | XXXX |  | 9732635 | Closed | 2025-10-17 01:15 | 2025-10-22 14:31 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Received updated 1008 with correct value. Have a counter for DTI pending. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated 1008 - Seller-XX/XX/XXXX <br>Open-The 1008 document is missing from the loan file. Provided 1008 showing appraisal value $XXXXXX & property rights box not check marked. Provide updated 1008 with Appraisal value $XXXXXX, & Property rights box need to be checkmark. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated 1008 - Seller-XX/XX/XXXX<br>| Resolved-Received updated 1008 with correct value. Have a counter for DTI pending. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 5926726 | N/A | N/A |
| XXXX | XXXX |  | 9732639 | Closed | 2025-10-17 09:14 | 2025-10-22 14:15 | 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-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final HUD1 - Seller-XX/XX/XXXX <br>Open-Final HUD-1 Document is Missing. Hud in file is not final shows borrower receiving XXX,XXX.XX at closing and prior mortgage not showing as being paid off. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final HUD1 - Seller-XX/XX/XXXX<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 5931237 | N/A | N/A |
| XXXX | XXXX |  | 9732617 | Closed | 2025-10-20 06:28 | 2025-10-22 14:13 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-DSCR is in line updated DFL and employment page. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR Calculator - Seller-XX/XX/XXXX <br>Open-Correctly calculated DSCR Ratio is Rent amount $X,XXX/PITIA $X,XXX.XX = X.XXX and Originator DSCR Ratio is Rent amount $X,XXX/PITIA $X,XXX.XX = X.XXX DSCR. Variance is X.XXX. due to Originator not consider Flood insurance premium of $XX.XX, FINAL HUD-1 & IEAD Documents Escrowing Flood insurance Premium but Property is not in Flood Zone. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. DSCR Calculator - Seller-XX/XX/XXXX<br>| Resolved-DSCR is in line updated DFL and employment page. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 5944465 | N/A | N/A |
| XXXX | XXXX |  | 9732569 | Closed | 2025-10-19 10:09 | 2025-10-24 07:05 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XXXXXXXX Version XX/XX/XXXX on page #XX a clear fraud report is required. The fraud report in file pg #XXX is showing a uncleared alert. Provide an updated fraud report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5941518 | N/A | N/A |
| XXXX | XXXX |  | 9732661 | Closed | 2025-10-17 04:28 | 2025-10-24 06:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Updated Guaranty Agreement Document with missing pages uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Guaranty Agreement - Seller-XX/XX/XXXX <br>Open-Guaranty Agreement Doc is Missing or Partial Guaranty agreement pages X-X are missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Guaranty Agreement - Seller-XX/XX/XXXX<br>| Resolved-Updated Guaranty Agreement Document with missing pages uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 5927508 | N/A | N/A |
| XXXX | XXXX |  | 9732661 | Closed | 2025-10-17 06:22 | 2025-10-24 04:22 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Resolved-DSCR Exceeds XX's as calculated DSCR is X.X, provided XXXXXXX with DSCR calculation which meets XX's of X% DSCR, Changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached for XXXXXXX on Rents used - Seller-XX/XX/XXXX <br>Open-DSCR variance exceeding the XXXXXXXX variance X%, Calculated DSCR ratio X.XX% calculation validating the correct DSCR is as follows: Short terms Rents of $X,XXX.XX (Net operating income $XXXXX/XX)/ PITIA $X,XXX.XX= X.XX DSCR<br> The rent schedule page #XX<br> XXXXXXX Short term rent on page XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached for XXXXXXX on Rents used - Seller-XX/XX/XXXX<br>| Resolved-DSCR Exceeds XX's as calculated DSCR is X.X, provided XXXXXXX with DSCR calculation which meets XX's of X% DSCR, Changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 5928446 | N/A | N/A |
| XXXX | XXXX |  | 9732600 | Closed | 2025-10-18 01:53 | 2025-10-23 06:01 | 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-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 5939560 | N/A | N/A |
| XXXX | XXXX |  | 9732615 | Closed | 2025-10-20 02:10 | 2025-10-24 06:44 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Gift docs along with Additional escrow provided. Updated & Resolved. Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXX Required Reserves of X month(s). - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXX Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gift docs attached should show was have sufficient assets - Seller-XX/XX/XXXX <br>Open-Audited Reserves of X.XX month(s) are less than XXXXXXXX Required Reserves of X month(s) Per XX XX.XX.XXXX matrix, X months reserves required when LTV is = XX%. However the loan file has only X.XX months reserves. - Due Diligence Vendor-XX/XX/XXXX</TD | Ready for Review-Document Uploaded. Gift docs attached should show was have sufficient assets - Seller-XX/XX/XXXX<br>| Resolved-Gift docs along with Additional escrow provided. Updated & Resolved. Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXX Required Reserves of X month(s). - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXX Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 5943231 | N/A | N/A |
| XXXX | XXXX |  | 9732615 | Closed | 2025-10-21 02:18 | 2025-10-24 06:44 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Proof document for gift funds of $XX,XXX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset Record X Meets X/X Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gift docs attached should show was have sufficient assets - Seller-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet X/X Requirements Provide proof of document for gift funds of $XX,XXX as it is not in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Gift docs attached should show was have sufficient assets - Seller-XX/XX/XXXX<br>| Resolved-Proof document for gift funds of $XX,XXX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset Record X Meets X/X Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 5954474 | N/A | N/A |
| XXXX | XXXX |  | 9732642 | Closed | 2025-10-22 11:03 | 2025-10-27 07:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lender explanation received that there were no lease agreements requested. Market rents used by the Broker and by the Lender. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Broker used the market rents, which were acceptable for DSCR. <br> However, since the LTV was XX.XX%, they opted to consider following the vacancy guidelines and not obtain the lease agreement (see attached)<br> - Seller-XX/XX/XXXX <br>Open-Lease agreements are missing from the file based on appraisal is rented. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Broker used the market rents, which were acceptable for DSCR. <br> However, since the LTV was XX.XX%, they opted to consider following the vacancy guidelines and not obtain the lease agreement (see attached)<br> - Seller-XX/XX/XXXX<br>| Resolved-Lender explanation received that there were no lease agreements requested. Market rents used by the Broker and by the Lender. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 5974371 | N/A | N/A |
| XXXX | XXXX |  | 9732642 | Closed | 2025-10-20 05:42 | 2025-10-24 02:29 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are uncleared alerts in fraud report, provided updated Fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#27 a clear fraud report is required. The fraud report in file pg#280 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-There are uncleared alerts in fraud report, provided updated Fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 5944098 | N/A | N/A |
| XXXX | XXXX |  | 9732642 | Closed | 2025-10-20 06:12 | 2025-10-23 03:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Updated certified copy of Final Settlement Statement uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Certified copy of the Final HUD1 - Seller-XX/XX/XXXX <br>Open-Provide the updated FINAL HUD-1 Document with Settlement Agent Signature. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Certified copy of the Final HUD1 - Seller-XX/XX/XXXX<br>| Resolved-Updated certified copy of Final Settlement Statement uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 5944303 | N/A | N/A |
| XXXX | XXXX |  | 9732580 | Closed | 2025-10-21 05:58 | 2025-10-24 04:03 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are uncleared alerts in fraud report, provided updated Fraud report, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#27 a clear fraud report is required. The fraud report in file pg#213 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-There are uncleared alerts in fraud report, provided updated Fraud report, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 5955409 | N/A | N/A |
| XXXX | XXXX |  | 9732580 | Closed | 2025-10-21 06:38 | 2025-10-24 04:03 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 has incorrect p&I, provided updated 1008 with correct P&I, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated 1008 - Seller-XX/XX/XXXX <br>Open-The 1008 document is missing from the loan file. Provide the updated 1008 with P&I of $X,XXX.XX, As per the Note document P&I showing as $X,XXX.XX and 1008 document P&I showing as $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated 1008 - Seller-XX/XX/XXXX<br>| Resolved-1008 has incorrect p&I, provided updated 1008 with correct P&I, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 5955786 | N/A | N/A |
| XXXX | XXXX |  | 9732551 | Closed | 2025-10-21 04:16 | 2025-11-14 13:24 | 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-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final HUD1 attached - Seller-XX/XX/XXXX <br>Counter-No doc attached. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Certified Copy of Final HUD1 - Seller-XX/XX/XXXX <br>Open-Provide the updated FINAL HUD-1 Document with Settlement Agent Signature. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final HUD1 attached - Seller-XX/XX/XXXX <br>Ready for Review-Certified Copy of Final HUD1 - Seller-XX/XX/XXXX<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 5954851 | N/A | N/A |
| XXXX | XXXX |  | 9732551 | Closed | 2025-10-21 03:45 | 2025-10-24 04:16 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#27 a clear fraud report is required. The fraud report in file pg#289 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 5954721 | N/A | N/A |
| XXXX | XXXX |  | 9732622 | Closed | 2025-10-21 02:39 | 2025-10-23 14:12 | 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-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # 26 a clear fraud report is required. The fraud report in file (page # 392) is showing uncleared alert, provide updated fraud report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5954527 | N/A | N/A |
| XXXX | XXXX |  | 9732622 | Closed | 2025-10-21 02:20 | 2025-10-23 04:34 | Resolved | 1 - Information D A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation or Additional Valuation (XXXXXX XXX) provided.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXX XXX - Seller-XX/XX/XXXX <br>Open-For securitization, a second property valuation needs to be provided. File needs a XXXXX and/or XXXXXX UCDP/SSR report with scores less than 2.5; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXX XXX - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation (XXXXXX XXX) provided.<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5954477 | N/A | N/A |
| XXXX | XXXX |  | 9732566 | Closed | 2025-10-23 14:36 | 2025-10-29 06:06 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-DSCR calculation worksheet provided and updated. DSCR inline with our calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR - Seller-XX/XX/XXXX <br>Open-DSCR worksheet not in file to confirm. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. DSCR - Seller-XX/XX/XXXX<br>| Resolved-DSCR calculation worksheet provided and updated. DSCR inline with our calculations. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 5996104 | N/A | N/A |
| XXXX | XXXX |  | 9732566 | Closed | 2025-10-22 06:30 | 2025-10-28 01:47 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page #XXX) is showing X high uncleared alert. The required cleared report is missing. <br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Provided fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 5969035 | N/A | N/A |
| XXXX | XXXX |  | 9732556 | Closed | 2025-10-23 15:33 | 2025-11-12 15:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower X IRS Transcripts Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Transcripts attached - Seller-XX/XX/XXXX <br>Counter-Borrower X IRS Transcripts Missing Uploaded XXXX personal federal tax return only. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Tax Returns - Seller-XX/XX/XXXX <br>Counter-Please provide XXXX Tax Transcript to support XXXX Federal income tax return. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Transcripts not needed - Seller-XX/XX/XXXX <br>Open-Borrower X IRS Transcripts Missing Please provide XXXX Tax Transcript. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Transcripts attached - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Tax Returns - Seller-XX/XX/XXXX <br>Ready for Review-Transcripts not needed - Seller-XX/XX/XXXX<br>| Resolved-Borrower X IRS Transcripts Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 5997060 | N/A | N/A |
| XXXX | XXXX |  | 9732556 | Closed | 2025-10-23 15:33 | 2025-11-12 15:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Tax Returns Missing | Resolved-Borrower X Personal Tax Returns Provided - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Tax Returns - Seller-XX/XX/XXXX <br> Counter-G/L Page XX states Tip income documentation required X year federal income tax returns. WVOE shows most earnings as 'Other' however XXXX XXXX' income consists of base salary/hourly wage plus tip earnings. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Other income is showing on electronic WVOE for tip income should not need transcripts - Seller-XX/XX/XXXX <br> Open-Borrower X Personal Tax Returns Missing Please provide XXXX Federal Tax Return to support Tip Income/Other per G/L Page XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Tax Returns - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Other income is showing on electronic WVOE for tip income should not need transcripts - Seller-XX/XX/XXXX<br>| Resolved-Borrower X Personal Tax Returns Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 5997061 | N/A | N/A |
| XXXX | XXXX |  | 9732556 | Closed | 2025-10-23 15:42 | 2025-11-06 13:41 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Counter-Please also amend XXXX adding paystub XXXX loan monthly payment $XXX.XX. DTI XX.XX%/XX.XX%. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX/XXXX removing pension/retirement income - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Please amend XXXX with Audited Income Average Base pay YTD, XXXX, XXXX $X,XXX and Average Tip/Other from WVOE YTD and XXXX $X,XXX.XX = $X,XXX.XX. Pending XXXX Tax Return per G/L to support. Paystubs show XXXX loan Average YTD $XXX.XX. Final XXXX shows Retirement Income however documentation not in file. DTI XX.XX%/XX.XX%. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX/XXXX removing pension/retirement income - Seller-XX/XX/XXXX<br>| Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 5997216 | N/A | N/A |
| XXXX | XXXX |  | 9732556 | Closed | 2025-10-23 15:48 | 2025-10-29 08:10 | Resolved | 1 - Information B A | Credit | Credit | Missing trust documentation | Resolved-Certification of Trust, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Trust Docs - Seller-XX/XX/XXXX <br>Open-Missing Trust Documentation per G/L page XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Trust Docs - Seller-XX/XX/XXXX<br>| Resolved-Certification of Trust, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 5997310 | N/A | N/A |
| XXXX | XXXX |  | 9732556 | Closed | 2025-10-22 23:49 | 2025-10-24 04:28 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXX SSR - Seller-XX/XX/XXXX <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 X.X The file is missing secondary valuation or additional valuation. Provide a XXXXX or XXXXXX UCDP/SSR report with a score less than X.X, or an appraisal desk review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXX SSR - Seller-XX/XX/XXXX<br>| Resolved-Secondary missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 5982153 | N/A | N/A |
| XXXX | XXXX |  | 9732556 | Closed | 2025-10-23 00:29 | 2025-11-13 07:43 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) . - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))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 XX CFR §XXXXX.XX, 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 # XXX and the Final Closing disclosure on page # XX-XX reflects escrows. Rate lock is on page # XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XX, XX and confirmation the appraisal was delivered to the borrower – see page # XX, XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) . - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))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 XX CFR §XXXXX.XX, 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 # XXX and the Final Closing disclosure on page # XX-XX reflects escrows. Rate lock is on page # XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XX, XX and confirmation the appraisal was delivered to the borrower – see page # XX, XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 5982768 | N/A | N/A |
| XXXX | XXXX |  | 9732599 | Closed | 2025-10-24 08:51 | 2025-10-29 06:38 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Updated employment page and DFL page. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR - Seller-XX/XX/XXXX <br>Open-Need correct DSCR worksheet for the file One on page. XXX is not correct - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. DSCR - Seller-XX/XX/XXXX<br>| Resolved-Updated employment page and DFL page. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6004669 | N/A | N/A |
| XXXX | XXXX |  | 9732599 | Closed | 2025-10-23 00:15 | 2025-10-29 01:10 | 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-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 5982695 | N/A | N/A |
| XXXX | XXXX |  | 9732603 | Closed | 2025-10-23 11:52 | 2025-10-28 01:46 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Provided fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | 5992422 | N/A | N/A |
| XXXX | XXXX |  | 9732657 | Closed | 2025-10-24 08:11 | 2025-10-28 01:36 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (XXXXXX XXX) provided.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXX XXX - Seller-XX/XX/XXXX <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 X.X Per the Guideline version XX/XX/XXXX on page#71, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXXX or XXXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXX XXX - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation (XXXXXX XXX) provided.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6003741 | N/A | N/A |
| XXXX | XXXX |  | 9732571 | Closed | 2025-10-24 16:52 | 2025-11-03 09:52 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Previous lender verified no lates - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Page 136 credit report shows next due X/X/XXXX, Page 528 mortgage statement shows next due X/X/XXXX, Page 577 Mortgage payoff shows interest for XXXXXXXX, XXXXXXXX, XXXXXXXX XXXX. Please provide documentation Borrower has been no more than XxXX days late last XX months per G/L. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Previous lender verified no lates - Seller-XX/XX/XXXX<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6014262 | N/A | N/A |
| XXXX | XXXX |  | 9732571 | Closed | 2025-10-24 16:49 | 2025-10-29 08:32 | 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-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Certified copy of Final HUD1 - Seller-XX/XX/XXXX <br>Open-Final HUD-1 Document is Missing. Page 577 mortgage payoff statement and Page 716 Title report. Missing HUD-1 showing payoff underlying mortgage. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Certified copy of Final HUD1 - Seller-XX/XX/XXXX<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6014254 | N/A | N/A |
| XXXX | XXXX |  | 9732592 | Closed | 2025-10-27 11:35 | 2025-10-29 09:26 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Resolved. Updated system with DSCR from the Loan Information sheet. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR - Seller-XX/XX/XXXX <br>Open-Provide a revised Loan Information sheet (Page 799) with updated PITIA and DSCR of X.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. DSCR - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Updated system with DSCR from the Loan Information sheet. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6025249 | N/A | N/A |
| XXXX | XXXX |  | 9732592 | Closed | 2025-10-26 13:38 | 2025-10-29 00:46 | Resolved | 1 - Information C A | Credit | Doc Issue | HOA Fee Difference | Resolved-Updated 1008 uploaded with corrected HOA dues, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated 1008 - Seller-XX/XX/XXXX <br>Open-HOA Fee difference exsits between validated HOA and documents HOA per appraisal is $XXX while the 1008 is $XXX. Provide evidence of the correct HOA amount.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated 1008 - Seller-XX/XX/XXXX<br>| Resolved-Updated 1008 uploaded with corrected HOA dues, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6016972 | N/A | N/A |
| XXXX | XXXX |  | 9732592 | Closed | 2025-10-26 13:04 | 2025-10-29 00:45 | 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<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerst - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline version XX/XX/XXXX on page #4 a clear fraud report is required. The fraud report on file page #524 is showing an alert. Provide the updated report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerst - Seller-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6016929 | N/A | N/A |
| XXXX | XXXX |  | 9732592 | Closed | 2025-10-27 11:22 | 2025-10-28 08:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-Resolved. Received Prepayment Addendum to Note. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Note is Incomplete Resolved. Received Prepayment Addendum to Note. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Prepay Addendum to Note - Seller-XX/XX/XXXX <br>Open-The Note is Incomplete Missing Prepay Addendum to Note. Provide the Prepayment Addendum. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Prepay Addendum to Note - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Received Prepayment Addendum to Note. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Note is Incomplete Resolved. Received Prepayment Addendum to Note. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6025023 | N/A | N/A |
| XXXX | XXXX |  | 9732662 | Closed | 2025-10-26 22:22 | 2025-10-29 00:38 | 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-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts • The CoreLogic LoanSafe Connect Alerts Summary document shows a total of X High alerts, only X of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6017670 | N/A | N/A |
| XXXX | XXXX |  | 9732549 | Closed | 2025-10-26 08:49 | 2025-10-29 01:03 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Resolved-As per Matrix for Loan Program "A" the qualifying LTV is XX% for FICO 660 and X% Reduction for C/O so the updated LTV is XX%, Audited CLTV of XX% is less than or equal to Guideline CLTV of XX%, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Audited CLTV of XX% is less than or equal to Guideline CLTV of XX% - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The guides state max is XX% this is at that max the X% reduction is off the XX% that is normally allowed on a R/T when they go C/O there is a X% reduction. - Seller-XX/XX/XXXX <br>Open-Audited CLTV of XX% exceeds Guideline CLTV of XX%, Loan is cash out refinance, As per Loan Program " A " Matrix Max LTV is XX%-X% Reduction = XX% LTV. File LTV has XX%.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-The guides state max is XX% this is at that max the X% reduction is off the XX% that is normally allowed on a R/T when they go C/O there is a X% reduction. - Seller-XX/XX/XXXX<br>| Resolved-As per Matrix for Loan Program "A" the qualifying LTV is XX% for FICO 660 and X% Reduction for C/O so the updated LTV is XX%, Audited CLTV of XX% is less than or equal to Guideline CLTV of XX%, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Audited CLTV of XX% is less than or equal to Guideline CLTV of XX% - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6016589 | N/A | N/A |
| XXXX | XXXX |  | 9732549 | Closed | 2025-10-26 08:50 | 2025-10-29 01:01 | 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-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#26 a clear fraud report is required. The fraud report in file pg#301 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6016593 | N/A | N/A |
| XXXX | XXXX |  | 9732549 | Closed | 2025-10-26 09:36 | 2025-10-27 08:07 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXXXX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX,XXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXXXX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX,XXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6016667 | N/A | N/A |
| XXXX | XXXX |  | 9732549 | Closed | 2025-10-26 09:36 | 2025-10-27 08:07 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XXX. XXX. XXXX XXXX(a); XX XXX XXXXXX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX,XXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XXX. XXX. XXXX XXXX(a); XX XXX XXXXXX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX,XXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6016668 | N/A | N/A |
| XXXX | XXXX |  | 9732555 | Closed | 2025-10-27 02:23 | 2025-10-28 13:26 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-The documentation received was sufficient to resolve the finding. XXXX calculation - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX Calculations - Seller-XX/XX/XXXX <br>Open-Our calculated XXXX is : Rents of $X,XXX/ PITIA of X,XXX.XX = X.XXX XXXX whereas tape data showing X.XXX XXXX difference is X.XXX The rent schedule appears on page XX and Lease agreement is on page XXX, Unit X is rented and Unit X is Vacant verified from appraisal page XX,First payment letter is on page XXX, Provide XXXX worksheet as its missing in file to validate the lender's XXXX calculations to determine variance.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX Calculations - Seller-XX/XX/XXXX<br>| Resolved-The documentation received was sufficient to resolve the finding. XXXX calculation - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6018497 | N/A | N/A |
| XXXX | XXXX |  | 9732555 | Closed | 2025-10-27 08:51 | 2025-10-28 13:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-The documentation received was sufficient to resolve the finding. Letter - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. LOE for vacant property - Seller-XX/XX/XXXX <br>Open-The guidelines require the letter of explanation for the cause of the vacancy is required. Unit X was validated as vacant according to the appraiser. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. LOE for vacant property - Seller-XX/XX/XXXX<br>| Resolved-The documentation received was sufficient to resolve the finding. Letter - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6021442 | N/A | N/A |
| XXXX | XXXX |  | 9732645 | Closed | 2025-10-25 12:58 | 2025-10-29 04:26 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Mortgage Statements uploaded to complete XX Months Housing history requirement, Housing History Meets Guideline Requirements, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Statements show XXX and XXX payments - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Per the guideline Version XX/XX/XXXXon page#XX, the borrower is required to have a XX months housing history. The file contains a Credit Report on page#XXX with a XXXXXX XXXXXXX XX #XXXX of XX months. Document housing history is short by X months. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Statements show XXX and XXX payments - Seller-XX/XX/XXXX<br>| Resolved-Mortgage Statements uploaded to complete XX Months Housing history requirement, Housing History Meets Guideline Requirements, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6015873 | N/A | N/A |
| XXXX | XXXX |  | 9732645 | Closed | 2025-10-25 23:11 | 2025-10-28 01:12 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (XXXX XXX) provided.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX XXX - Seller-XX/XX/XXXX <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 X.X Per the Guideline version XX/XX/XXXX on page#XX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXX or XXXXX UCDP/XXX report with a score less than X.X, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX XXX - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation (XXXX XXX) provided.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6016195 | N/A | N/A |
| XXXX | XXXX |  | 9732568 | Closed | 2025-10-26 23:51 | 2025-10-31 08:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Executed & Certified Final XXXX Statement received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Certified copy of Final XXXX - Seller-XX/XX/XXXX <br>Open-Final XXXX Document is Missing. The XXXX Borrower's Settlement Statement in file is not signed by the Settlement Agent nor marked as a Final. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Certified copy of Final XXXX - Seller-XX/XX/XXXX<br>| Resolved-Executed & Certified Final XXXX Statement received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6017991 | N/A | N/A |
| XXXX | XXXX |  | 9694915 | Closed | 2025-10-28 11:00 | 2025-10-31 09:52 | Resolved | 1 - Information C A | Compliance | Closing | Loan Originator NMLS is Not Valid | Resolved-Resolved. Confirmed on XXXX website the LO is now showing licensed in the state of XXXXXXXXXX for XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-We closed this loan on XX/XX/XX with XXXXX XXXXXXX and LO changed company on XX/XX/XX to XXXXX XXXXXXXX XXX. Thank you!<br> - Seller-XX/XX/XXXX <br>Open-The Loan Officer is not licensed in the state of XXXXXXXXXX per the XXXX website. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-We closed this loan on XX/XX/XX with XXXXX XXXXXXX and LO changed company on XX/XX/XX to XXXXX XXXXXXXX XXX. Thank you!<br> - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Confirmed on XXXX website the LO is now showing licensed in the state of XXXXXXXXXX for XXXX. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6039733 | N/A | N/A |
| XXXX | XXXX |  | 9732631 | Closed | 2025-10-27 23:52 | 2025-10-30 02:12 | 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-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts A clear fraud report is required per XX version XX/XX/XXXX on page#XX. The fraud report on pg#XXX contains an uncleared alert. Provide the updated report. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6031889 | N/A | N/A |
| XXXX | XXXX |  | 9732558 | Closed | 2025-10-28 03:01 | 2025-10-31 01:07 | 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<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerst - Seller-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report Per the XX XX.XX.XXXX page # XX a clear fraud report is required. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerst - Seller-XX/XX/XXXX<br>| Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6032497 | N/A | N/A |
| XXXX | XXXX |  | 9732649 | Closed | 2025-10-29 02:00 | 2025-10-31 12:11 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page #XXX) is showing X high uncleared alert. The required cleared report is missing. <br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6047529 | N/A | N/A |
| XXXX | XXXX |  | 9732593 | Closed | 2025-10-29 04:00 | 2025-10-31 01:10 | 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> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XXXXXXXX Version XX/XX/XXXX on page#X a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6047971 | N/A | N/A |
| XXXX | XXXX |  | 9732560 | Closed | 2025-10-29 04:36 | 2025-12-04 16:52 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Primary Appraisal | Resolved-Primary appraisal document provided. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Appraisal - XXXXXX-XX/XX/XXXX <br>Open-Primary Value has not been selected Provide Primary appraisal document as its missing in file. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Appraisal - XXXXXX-XX/XX/XXXX<br>| Resolved-Primary appraisal document provided. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6048199 | N/A | N/A |
| XXXX | XXXX |  | 9732560 | Closed | 2025-10-29 03:54 | 2025-11-03 06:23 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXXX.XX(a)(X)) 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 XX XXX §XXXXXXX.XX, 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 #XXX,XXX and the Final Closing disclosure on Pg #XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property The appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower. Resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Proof of Appraisal delivery to the Borrower - XXXXXX-XX/XX/XXXX <br>Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXXX.XX(a)(X)) 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 XX XXX §XXXXXXX.XX, 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 #XXX,XXX and the Final Closing disclosure on Pg #XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – MISSING the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XX,XXX. <br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Proof of Appraisal delivery to the Borrower - XXXXXX-XX/XX/XXXX<br>| Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXXX.XX(a)(X)) 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 XX XXX §XXXXXXX.XX, 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 #XXX,XXX and the Final Closing disclosure on Pg #XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property The appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower. Resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6047943 | N/A | N/A |
| XXXX | XXXX |  | 9732588 | Closed | 2025-10-31 09:01 | 2025-11-12 12:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated 1003 - XXXXXX-XX/XX/XXXX <br>Open-The Final 1003 is Missing Page XXX Visa documentation, appears Borrower Non-Permanent Resident. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated 1003 - XXXXXX-XX/XX/XXXX<br>| Resolved-The Final 1003 is Present - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6082403 | N/A | N/A |
| XXXX | XXXX |  | 9732588 | Closed | 2025-11-05 07:23 | 2025-11-12 08:46 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open-Audited DTI Exceeds XXXXXXXX DTI Confirmed Borrower Non Permanent Resident Alien. Page XX G/X Maximum DTI XX% vs Audited DTI/XXXX XX.XX%. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  |  |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6131206 | N/A | N/A |
| XXXX | XXXX |  | 9732588 | Closed | 2025-10-31 09:00 | 2025-11-12 08:46 | Resolved | 1 - Information C A | Credit | Credit | Residency | Resolved-Visa E2 allowing Borrower from XXXXXX to invest and manage business in X.X. 1003 updated showing Non Permanent Resident. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-There is a copy of their visa in the file - XXXXXX-XX/XX/XXXX <br>Counter-Please provide EAD card. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Personal ID - XXXXXX-XX/XX/XXXX <br>Open-Page XXX Visa documentation, Borrower appears to be Non Permanent Resident. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-There is a copy of their visa in the file - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Personal ID - XXXXXX-XX/XX/XXXX<br>| Resolved-Visa E2 allowing Borrower from XXXXXX to invest and manage business in X.X. 1003 updated showing Non Permanent Resident. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6082393 | N/A | N/A |
| XXXX | XXXX |  | 9732588 | Closed | 2025-10-31 03:19 | 2025-11-12 08:40 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Updated fraud report provided. Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Updated fraud report provided. Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6078669 | N/A | N/A |
| XXXX | XXXX |  | 9732588 | Closed | 2025-10-31 09:22 | 2025-11-05 07:19 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Title Policy - XXXXXX-XX/XX/XXXX <br>Open-Property Title Issue Please provide documentation Title Commitment Requirement #X satisfied/released. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Title Policy - XXXXXX-XX/XX/XXXX<br>| Resolved-Property Title Issue Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6083488 | N/A | N/A |
| XXXX | XXXX |  | 9389100 | Closed | 2025-11-03 07:04 | 2025-11-12 06:48 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. coc attached - XXXXXX-XX/XX/XXXX <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. (XX XXX XXXXXXX.XX(e)(X); XX XXX XXXXXXX.XX(e)(X); XX XXX XXXXXXX.XX(f)(X)(v)). Discount Point Fee of $X,XXX.XX from the Initial CD increased to $X,XXX.XX on the Final CD. Provide COC. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. coc attached - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6096524 | N/A | N/A |
| XXXX | XXXX |  | 9732562 | Closed | 2025-11-04 03:29 | 2025-11-06 03:37 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # 27 a clear fraud report is required. The fraud report in file (page # 187) is showing uncleared alert, provide updated fraud report - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6110299 | N/A | N/A |
| XXXX | XXXX |  | 9732562 | Closed | 2025-11-04 03:45 | 2025-11-05 01:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Executed copy of Settlement Statement uploaded, Verified & entered in system - Resolved<br> - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Final XXX-X Document is Present or Not Applicable - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final XXX1 signed by all parties - Seller-XX/XX/XXXX <br>Open-Final XXX-X Document is Missing. Provide updated Final XXX as the provided one on page 235 borrower and settlement agent signature are missing. - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Final XXX1 signed by all parties - Seller-XX/XX/XXXX<br>| Resolved-Executed copy of Settlement Statement uploaded, Verified & entered in system - Resolved<br> - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Final XXX-X Document is Present or Not Applicable - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6110399 | N/A | N/A |
| XXXX | XXXX |  | 9732601 | Closed | 2025-11-04 02:28 | 2025-11-05 11:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report Provide Third Party Fraud Report with all Cleared alerts as Per the XX XX.XX.XXXX page # 26<br> - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Third Party Fraud Report is provided - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6110064 | N/A | N/A |
| XXXX | XXXX |  | 9732601 | Closed | 2025-11-04 02:02 | 2025-11-05 11:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-updated credit report with gap report - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gap Credit - Seller-XX/XX/XXXX <br>Open-Borrower 1 Gap Credit Report is Missing Per the XX XX.XX.XXXX page # 26 GAP report is required 10 days prior to closing date. One in file is missing, provide the GAP credit report for Borrower 1<br> - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Gap Credit - Seller-XX/XX/XXXX<br>| Resolved-updated credit report with gap report - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6109975 | N/A | N/A |
| XXXX | XXXX |  | 9732601 | Closed | 2025-11-04 02:02 | 2025-11-05 11:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Updated credit page - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gap Credit - Seller-XX/XX/XXXX <br>Open-Borrower 2 Gap Credit Report is Missing Per the XX XX.XX.XXXX page # 26 GAP report is required 10 days prior to closing date. One in file is missing, provide the GAP credit report for Borrower 2<br> - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Gap Credit - Seller-XX/XX/XXXX<br>| Resolved-Updated credit page - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6109976 | N/A | N/A |
| XXXX | XXXX |  | 9732601 | Closed | 2025-11-03 21:40 | 2025-11-05 00:23 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Title Policy - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXXX is Less than Loan Amount $XXXXXXX - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Title Policy - Seller-XX/XX/XXXX<br>| Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6109094 | N/A | N/A |
| XXXX | XXXX |  | 9732614 | Closed | 2025-11-04 01:09 | 2025-11-05 00:34 | Resolved | 1 - Information D 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 provided, Verified & entered in system - Resolved<br> - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXX SSR - Seller-XX/XX/XXXX <br>Open-For securitization, a second property valuation needs to be provided. File needs a XXXX and/or XXXXXX UCDP/SSR report with scores less than 2.5; or the file needs an Appraisal Desk Review.<br> - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXX SSR - Seller-XX/XX/XXXX<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6109813 | N/A | N/A |
| XXXX | XXXX |  | 9732586 | Closed | 2025-11-04 14:50 | 2025-11-12 14:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated 1003/1008 for income. 1008 also give income breakdown for this 1099 income - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Per the final 1003 and 1008 borrower monthly income is $XX,XXX.XX. Please provide lender income calculation sheet validating this $XX,XXX.XX amount. - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated 1003/1008 for income. 1008 also give income breakdown for this 1099 income - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved' - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6124915 | N/A | N/A |
| XXXX | XXXX |  | 9732586 | Closed | 2025-11-04 05:34 | 2025-11-07 01:22 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Lender Approval with corrected Loan amount provided. - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated Approval - Seller-XX/XX/XXXX <br>Open-Loan approval doc on page # 228 shows loan amount as $XXX,XXX however Note, DOT, Final CD loan amount is $XXX,XXX. - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated Approval - Seller-XX/XX/XXXX<br>| Resolved-Updated Lender Approval with corrected Loan amount provided. - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6111188 | N/A | N/A |
| XXXX | XXXX |  | 9732586 | Closed | 2025-11-04 05:33 | 2025-11-07 01:20 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 document with corrected loan amount provided. - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The 1008 document is present in the loan file. - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated 1008 - Seller-XX/XX/XXXX <br>Open-The 1008 document is missing from the loan file. 1008 doc shows loan amount as $XXX,XXX however Note, DOT and Final CD loan amount is $XXX,XXX. - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated 1008 - Seller-XX/XX/XXXX<br>| Resolved-1008 document with corrected loan amount provided. - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The 1008 document is present in the loan file. - XXXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6111178 | N/A | N/A |
| XXXX | XXXX |  | 9732586 | Closed | 2025-11-04 05:01 | 2025-11-06 03:31 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated title commitment uploaded, verifying Title Coverage Amount of $XXXXXX is equal to the Total Amount of Subject Lien - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please review the updated title that was submitted XX/X (for some reason the status is showing as 'open' instead of 'ready for review) - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated Title - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Missing Title Supplement for loan amount $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Please review the updated title that was submitted XX/X (for some reason the status is showing as 'open' instead of 'ready for review) - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated Title - Seller-XX/XX/XXXX<br>| Resolved-Updated title commitment uploaded, verifying Title Coverage Amount of $XXXXXX is equal to the Total Amount of Subject Lien - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6110916 | N/A | N/A |
| XXXX | XXXX |  | 9732630 | Closed | 2025-11-04 23:28 | 2025-11-09 22:41 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6127702 | N/A | N/A |
| XXXX | XXXX |  | 9732630 | Closed | 2025-11-04 22:51 | 2025-11-07 01:24 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (XXXXXXXX XXX) provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX SSR - Seller-XX/XX/XXXX <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 X.X Per the Guideline version XX/XX/XXXX on page#XX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXXX or XXXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review. In file we have XXXXX XX document on page#XXX, CU Score is X.X.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX SSR - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation (XXXXXXXX XXX) provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6127531 | N/A | N/A |
| XXXX | XXXX |  | 9857491 | Closed | 2025-11-07 10:42 | 2025-11-10 06:08 | Resolved | 1 - Information C A | Credit | Credit | CLTV/LTV unknown | Resolved-Updated 1008 page and business approval page. LTV in line, - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached. LTV is XX.XX - Buyer-XX/XX/XXXX <br>Open-Based on guidelines have to use the sales price since it is lower than the appraised value. Sales price is XXX,XXX/XXX,XXX= XX.XX LTV. Property was acquired within the last XX months - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Updated 1008 page and business approval page. LTV in line, - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6174075 | N/A | N/A |
| XXXX | XXXX |  | 9732637 | Closed | 2025-11-09 11:56 | 2025-11-12 05:45 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6186830 | N/A | N/A |
| XXXX | XXXX |  | 9732554 | Closed | 2025-11-07 03:31 | 2025-11-25 13:13 | Acknowledged | 2 - Non-Material D B | Credit | Credit | Spousal Consent Missing | Acknowledged-Client acknowledges - Due Diligence Vendor-XX/XX/XXXX <br> Open-In XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, WAXXXX when a personal guaranty is present, then evidence of spousal consent is also required. Borrower married and signed individually evidence of spousal consent is missing in file. Provide evidence of spousal consent. - Due Diligence Vendor-XX/XX/XXXX |  | Acknowledged-Client acknowledges - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | 21.6 Months reserves (min 3 required)<br> 1.182 DSCR (min 1 required) | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6167004 | Originator Post-Close | No |
| XXXX | XXXX |  | 9732554 | Closed | 2025-11-07 04:53 | 2025-11-13 12:30 | 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-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6167672 | N/A | N/A |
| XXXX | XXXX |  | 9732611 | Closed | 2025-11-10 03:33 | 2025-11-12 13:56 | 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-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high and X medium uncleared alerts. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6189530 | N/A | N/A |
| XXXX | XXXX |  | 9732628 | Closed | 2025-11-12 05:58 | 2025-11-13 12:25 | 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-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX <br>Open-Third Party Fraud Report Partially Provided The XXXXXXXXX Alerts Summary is present in the loan file, but the actual Fraud Report is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6220571 | N/A | N/A |
| XXXX | XXXX |  | 9732665 | Closed | 2025-11-13 01:47 | 2025-11-19 01:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-Borrower X Id is missing, Provided Dl, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. IDs - Seller-XX/XX/XXXX <br>Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. IDs - Seller-XX/XX/XXXX<br>| Resolved-Borrower X Id is missing, Provided Dl, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6233584 | N/A | N/A |
| XXXX | XXXX |  | 9732665 | Closed | 2025-11-13 03:19 | 2025-11-13 12:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Home Equity Receipt Of Documents is Missing | Resolved-received- receipt of Doc copy disclosure - resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Receipt of Documents - Seller-XX/XX/XXXX <br>Open-Texas Home Equity Receipt Of Documents is Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Receipt of Documents - Seller-XX/XX/XXXX<br>| Resolved-received- receipt of Doc copy disclosure - resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6234022 | N/A | N/A |
| XXXX | XXXX |  | 9694925 | Closed | 2025-11-25 23:56 | 2025-12-05 04:00 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation Desk review provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <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 X.X CU is available in file and score is X.X , Provide the additional valuation document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation Desk review provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6395253 | N/A | N/A |
| XXXX | XXXX |  | 9979485 | Closed | 2025-12-11 00:45 | 2025-12-17 02:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Certified copy of Final Settlement Statement uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Final HUD-1 Document is Missing. Settlement date on page#601 is XX/XX/XXXX and Notary date is XX/XX/XXXX however prepaid start date is XX/XX/XXXX. Provide updated HUD - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Certified copy of Final Settlement Statement uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6579372 | N/A | N/A |
| XXXX | XXXX |  | 9979499 | Closed | 2025-12-15 05:59 | 2025-12-16 10:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV Exceeds Guideline LTV Subject in Rural max LTV XX%, exception in file on page#312. The X% LTV exception is approved. Per guidelines max allowed LTV XX%, ok to proceed at XX% LTV. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Audited LTV Exceeds Guideline LTV Subject in Rural max LTV XX%, exception in file on page#312. The X% LTV exception is approved. Per guidelines max allowed LTV XX%, ok to proceed at XX% LTV. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | DTI is 24.88%. Maximum allowed per guidelines is 50%.<br> Borrower(s) have 23.1 months Reserves. Minimum required per guidelines is 0 months.<br> CU score is 1 | XXXX | Primary Residence | Purchase | NA | 6620490 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 9979499 | Closed | 2025-12-15 05:54 | 2025-12-15 21:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XX.XX%) APR equals or exceeds the Federal XXXXX threshold of (XX.XX%). The threshold is determined by adding X.X 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 (X.XX%).(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> XXXX 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 305 and the Final Closing disclosure on Pg#'s 134, Finding reflects escrows. <br> Rate lock date was entered correctly – see Pg#128 An interior and exterior appraisal was completed for this property – see pg 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'354 in file and confirmation the appraisal was delivered to the borrower – see Pg#125 The loan meets XXXXX guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XX%) APR equals or exceeds the Federal XXXXX threshold of (XX.XX%). The threshold is determined by adding X.X 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 (X.XX%).(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> XXXX 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 305 and the Final Closing disclosure on Pg#'s 134, Finding reflects escrows. <br> Rate lock date was entered correctly – see Pg#128 An interior and exterior appraisal was completed for this property – see pg 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'354 in file and confirmation the appraisal was delivered to the borrower – see Pg#125 The loan meets XXXXX guidelines - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 6620437 | N/A | N/A |
| XXXX | XXXX |  | 9979374 | Closed | 2025-12-19 04:46 | 2025-12-22 13:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-received The Initial 1003 signed by borrower X - resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. initial 1003's attached. - Seller-XX/XX/XXXX <br>Open-The Initial 1003 is Missing Co-borrower signed Initial 1003 is missing in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. initial 1003's attached. - Seller-XX/XX/XXXX<br>| Resolved-received The Initial 1003 signed by borrower X - resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6701212 | N/A | N/A |
| XXXX | XXXX |  | 9979502 | Closed | 2025-12-22 05:49 | 2025-12-23 22:51 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-Requested September statement provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing XX/XX/XXXX-XX/XX/XXXX bank statement from XX XXXX acct#XXXXX to consider business deposits, However used income from 1003 until we get missing statement.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested September statement provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6731200 | N/A | N/A |

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## Exhibit 99.7

**Exhibit 99.7**

 **Schedule 5 - Supplemental Data Extract Report**

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

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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** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent 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** |
| XXXX |  | 9448048 | 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% | $1146.37 | Yes | 18.000% | $1820.76 | $151.73 | $1686.96 | $140.58 | $0.00 | $0.00 | $0.00 | $1438.68 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.286 | 1.286 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 29836.28 | 20.7 | 29836.28 | 20.7 | No | 78.35 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9241894 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $6287.11 | No |  | $5709.96 | $475.83 | $5267.04 | $438.92 | $0.00 | $0.00 | $0.00 | $7201.86 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.305 | 1.3 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 158613.42 | 22 | 158613.42 | 22 | No | 63 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9218060 | 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% | $3317.71 | No |  | $3219.96 | $268.33 | $2175.00 | $181.25 | $648.00 | $54.00 | $0.00 | $3821.29 |  | N/A | XXXX | TN | $54.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.005 | 1.005 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 164281.79 | 43 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9246380 | 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% | $1235.81 | Yes | 18.000% | $1412.52 | $117.71 | $1513.32 | $126.11 | $0.00 | $0.00 | $0.00 | $1479.63 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.027 | 1.027 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 200437.90 | 135.5 | 364296.84 | 246.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| XXXX |  | 9246426 | 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% | $836.08 | Yes | 18.000% | $1153.80 | $96.15 | $1650.00 | $137.50 | $0.00 | $0.00 | $0.00 | $1069.73 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.729 | 1.729 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 10012.25 | 9.4 | 10012.25 | 9.4 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9217079 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.625% | 8.625% | $1470.02 | No |  | $4000.68 | $333.39 | $2300.40 | $191.70 | $0.00 | $0.00 | $0.00 | $1995.11 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 0.902 | 0.902 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 653 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 172824.55 | 86.6 | No | 60 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 9364405 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 06/24/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.832% |  | 7.500% | 7.500% | $6104.14 | No |  | $11882.76 | $990.23 | $2531.04 | $210.92 | $0.00 | $0.00 | $0.00 | $7227.12 | $41593.89 | N/A | XXXX |  | $0.00 | XXXX |  | 36.95% | 36.95% | 36.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 110415.46 | 15.3 | 110415.46 | 15.3 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9246471 | 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% | $1874.23 | Yes | 18.000% | $2260.80 | $188.40 | $3743.76 | $311.98 | $0.00 | $0.00 | $0.00 | $2374.61 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.969 | 0.969 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 675 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 76205.54 | 32.1 | 76205.54 | 32.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9246529 | 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% | $629.36 | Yes | 18.000% | $845.76 | $70.48 | $1245.00 | $103.75 | $0.00 | $0.00 | $0.00 | $803.59 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.588 | 1.588 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 11167.46 | 13.9 | 11167.46 | 13.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9246545 | 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% | $1160.33 | Yes | 18.000% | $2369.40 | $197.45 | $1116.96 | $93.08 | $0.00 | $0.00 | $0.00 | $1450.86 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.117 | 1.117 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 807 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 56312.84 | 38.8 | 109191.80 | 75.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9239087 | 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% | $883.49 | Yes | 18.000% | $1951.44 | $162.62 | $1425.96 | $118.83 | $0.00 | $0.00 | $0.00 | $1164.94 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.21 | 1.21 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 25157.02 | 21.6 | 25157.02 | 21.6 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9448055 | 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% | $1232.62 | Yes | 18.000% | $1812.48 | $151.04 | $1269.00 | $105.75 | $0.00 | $0.00 | $0.00 | $1489.41 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.35 | 1.363 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 75772.77 | 50.9 | 75772.77 | 50.9 | No | 77.66 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9239202 | 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% | $1063.87 | Yes | 18.000% | $1984.20 | $165.35 | $1581.96 | $131.83 | $0.00 | $0.00 | $0.00 | $1361.05 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.389 | 1.297 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 419.57 | 0.3 | 45114.48 | 30.2 | Yes | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9448075 | 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% | $556.87 | Yes | 18.000% | $1016.76 | $84.73 | $1311.00 | $109.25 | $0.00 | $0.00 | $0.00 | $750.85 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.598 | 1.598 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MS | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 110154.57 | 146.7 | 176621.87 | 235.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9448086 | 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% | $838.74 | Yes | 18.000% | $404.16 | $33.68 | $1566.00 | $130.50 | $0.00 | $0.00 | $0.00 | $1002.92 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.236 | 1.236 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 8750.32 | 8.7 | 115435.86 | 115.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9448089 | 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% | $2873.62 | Yes | 18.000% | $936.12 | $78.01 | $1620.24 | $135.02 | $0.00 | $0.00 | $0.00 | $3086.65 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.008 | 1.008 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 264966.26 | 85.8 | 264966.26 | 85.8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9448077 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.625% | 8.625% | $1020.85 | Yes | 18.000% | $923.76 | $76.98 | $2683.92 | $223.66 | $0.00 | $0.00 | $0.00 | $1321.49 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.037 | 1.037 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 666 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 16181.57 | 12.3 | 16181.57 | 12.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9448103 | 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% | $630.44 | Yes | 18.000% | $1930.44 | $160.87 | $1124.04 | $93.67 | $0.00 | $0.00 | $0.00 | $884.98 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  | 4 - Verified 2+ Mos |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.723 | 1.723 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 12551.48 | 14.2 | 12551.48 | 14.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9448108 | 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% | $603.73 | Yes | 18.000% | $1333.80 | $111.15 | $1949.04 | $162.42 | $0.00 | $0.00 | $0.00 | $877.30 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.391 | 1.391 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MS | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 4953.28 | 5.6 | 85004.29 | 96.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9448113 | 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% | $799.11 | Yes | 18.000% | $527.88 | $43.99 | $1097.16 | $91.43 | $0.00 | $0.00 | $0.00 | $934.53 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.231 | 1.231 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 15209.97 | 16.3 | 112733.16 | 120.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9448125 | 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% | $1053.65 | Yes | 18.000% | $4761.60 | $396.80 | $1551.36 | $129.28 | $0.00 | $0.00 | $0.00 | $1579.73 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.291 | 1.137 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 152853.53 | 96.8 | 175060.66 | 110.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9448127 | 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% | $775.27 | Yes | 18.000% | $285.60 | $23.80 | $1396.44 | $116.37 | $0.00 | $0.00 | $0.00 | $915.44 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.42 | 1.42 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 675 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 12512.67 | 13.7 | 12512.67 | 13.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9448140 | 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% | $955.52 | Yes | 18.000% | $637.20 | $53.10 | $1725.24 | $143.77 | $0.00 | $0.00 | $0.00 | $1152.39 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  | 3 - Verified<2Mos | 3 - Verified<2Mos |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.588 | 1.588 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 7603.90 | 6.6 | 33119.75 | 28.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9389134 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 08/25/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.959% |  | 7.750% | 7.750% | $2274.16 | No |  | $5290.68 | $440.89 | $705.96 | $58.83 | $1284.00 | $107.00 | $0.00 | $2880.88 | $4521.56 | N/A | XXXX | FL | $107.00 | XXXX | Monthly | 38.87% | 38.92% | 38.92% | 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 | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 26388.67 | 9.2 | 26388.67 | 9.2 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9448210 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.875% | 8.875% | $1074.92 | Yes | 18.000% | $2766.00 | $230.50 | $1809.96 | $150.83 | $0.00 | $0.00 | $0.00 | $1456.25 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.14 | 1.14 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 665 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 22994.60 | 15.8 | 125986.34 | 86.5 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9448157 | 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% | $1495.42 | Yes | 18.000% | $1674.60 | $139.55 | $1203.00 | $100.25 | $0.00 | $0.00 | $0.00 | $1735.22 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  | 4 - Verified 2+ Mos |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.408 | 1.408 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 30045.51 | 17.3 | 139117.85 | 80.2 | No | 64.29 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9448158 | 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% | $1038.61 | Yes | 18.000% | $1109.76 | $92.48 | $1448.88 | $120.74 | $0.00 | $0.00 | $0.00 | $1251.83 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.238 | 1.238 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 15441.18 | 12.3 | 31432.11 | 25.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9448213 | 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% | $907.29 | Yes | 18.000% | $1812.48 | $151.04 | $1158.72 | $96.56 | $0.00 | $0.00 | $0.00 | $1154.89 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.316 | 1.316 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 60866.75 | 52.7 | 65865.75 | 57 | No | 61.29 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9448214 | 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% | $1076.79 | Yes | 18.000% | $332.76 | $27.73 | $864.60 | $72.05 | $0.00 | $0.00 | $0.00 | $1176.57 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 2.38 | 1.998 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 59492.91 | 50.6 | 59492.91 | 50.6 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9448188 | 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% | $1260.89 | Yes | 18.000% | $3012.72 | $251.06 | $1521.00 | $126.75 | $0.00 | $0.00 | $0.00 | $1638.70 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.034 | 1.034 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 60418.62 | 36.9 | 60418.62 | 36.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9448175 | 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% | $1201.32 | Yes | 18.000% | $1994.28 | $166.19 | $1512.00 | $126.00 | $0.00 | $0.00 | $0.00 | $1493.51 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.373 | 1.373 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 50006.10 | 33.5 | 50006.10 | 33.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9448222 | 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% | $1199.15 | Yes | 18.000% | $2699.88 | $224.99 | $1391.04 | $115.92 | $0.00 | $0.00 | $0.00 | $1540.06 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.097 | 1.097 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 29989.19 | 19.5 | 62765.07 | 40.8 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9389169 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 08/26/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.467% |  | 7.999% | 7.999% | $4321.83 | No |  | $8662.56 | $721.88 | $3582.00 | $298.50 | $0.00 | $0.00 | $0.00 | $5342.21 | $11329.86 | N/A | XXXX |  | $0.00 | XXXX |  | 32.42% | 32.42% | 32.42% | 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 | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | Passport | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 53177.14 | 10 | 54616.14 | 10.2 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9389147 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 08/22/2025 | 6.610% | Manual Underwriting | Manual Underwriting | No | 7.809% |  | 7.499% | 7.499% | $2125.40 | No |  | $1720.92 | $143.41 | $774.96 | $64.58 | $120.00 | $10.00 | $0.00 | $2343.39 | $4249.82 | N/A | XXXX | NV | $10.00 | XXXX | Monthly | 35.95% | 35.95% | 35.95% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 0 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 12 | Other |  |  | 0 |  | No | 0 |  | Yes | Borrower - Wage, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, Written VOE Verified, IRS Transcripts Verified - 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, IRS Transcripts Verified - 2023, 2024 | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Consular Card |  | XXXX | Mexico | XXXX | XXXX | XXXX | Passport | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 13983.75 | 6 | 13983.75 | 6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9389254 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 08/28/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.337% |  | 7.999% | 7.999% | $4292.11 | No |  | $8124.96 | $677.08 | $1845.00 | $153.75 | $0.00 | $0.00 | $0.00 | $5122.94 | $161902.44 | N/A | XXXX |  | $0.00 | XXXX |  | 9.58% | 5.29% | 5.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 472672.48 | 92.3 | 472672.48 | 92.3 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9389296 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/05/2025 | 6.570% | Manual Underwriting | Manual Underwriting | No | 7.843% |  | 7.499% | 7.499% | $3803.30 | No |  | $11730.96 | $977.58 | $939.36 | $78.28 | $900.00 | $75.00 | $0.00 | $4934.16 | $21910.33 | N/A | XXXX | FL | $75.00 | XXXX | Monthly | 20.61% | 19.08% | 19.08% | 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 | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | Passport | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 74686.72 | 15.1 | 74686.72 | 15.1 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9389141 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/19/2025 | 6.320% | Manual Underwriting | Manual Underwriting | No | 7.777% |  | 7.499% | 7.499% | $4079.52 | No |  | $8257.44 | $688.12 | $537.96 | $44.83 | $0.00 | $0.00 | $0.00 | $4812.47 | $5260.30 | N/A | XXXX |  | $0.00 | XXXX |  | 47.15% | 47.96% | 47.96% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | Less than 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 1 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 318 | 19 | Work Number | Yes | 51 | 32 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other - 1 YR Personal Tax Returns Verified, Written VOE Verified, Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 805 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | Passport | XXXX | XXXX | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | Passport | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 50419.98 | 10.5 | 50419.98 | 10.5 | No | 68.65 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 9389284 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/04/2025 | 6.570% | Manual Underwriting | Manual Underwriting | No | 7.951% |  | 7.499% | 7.499% | $2097.44 | No |  | $4687.56 | $390.63 | $976.68 | $81.39 | $5712.00 | $476.00 | $0.00 | $3045.46 | $5693.68 | Yes | XXXX | CA | $476.00 | XXXX | Monthly | 35.48% | 35.48% | 35.48% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 20 | 20 | FNMA 1005 | Yes | 25 | 24 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | Passport | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 22861.10 | 7.5 | 22861.10 | 7.5 | No | 80 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 9732609 | 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% | $3783.91 | No |  | $6693.60 | $557.80 | $8879.88 | $739.99 | $0.00 | $0.00 | $0.00 | $5081.70 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.043 | 1.043 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 46808.69 | 9.2 | 46808.69 | 9.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9732602 | 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% | $1229.58 | No |  | $5370.00 | $447.50 | $2085.24 | $173.77 | $0.00 | $0.00 | $0.00 | $1850.85 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.135 | 1.135 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 15808.40 | 8.5 | 15808.40 | 8.5 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9732660 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $2200.00 | 7.375% | 7.375% | $1519.49 | No |  | $917.64 | $76.47 | $471.00 | $39.25 | $3072.00 | $256.00 | $0.00 | $1891.21 |  | Yes | XXXX | AZ | $256.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds,Crypto Currency |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.055 | 1.055 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 808 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 28971.21 | 15.3 | 78723.67 | 41.6 | No | 80 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9732635 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1554.00 | No |  | $4918.44 | $409.87 | $2001.96 | $166.83 | $0.00 | $0.00 | $0.00 | $2130.70 | $14584.83 | N/A | XXXX |  | $0.00 | XXXX |  | 28.71% | 21.58% | 21.58% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 12 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | WI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 46512.46 | 21.8 | 46512.46 | 21.8 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9732639 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $3937.50 | No |  | $8260.92 | $688.41 | $939.96 | $78.33 | $1980.00 | $165.00 | $0.00 | $4869.24 |  | N/A | XXXX | CA | $165.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.294 | 1.294 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 686104.61 | 140.9 | No | 41.79 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 9732617 | 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% | $2686.07 | No |  | $5070.72 | $422.56 | $3046.44 | $253.87 | $0.00 | $0.00 | $0.00 | $3362.50 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.115 | 1.115 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 343506.88 | 102.2 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9732569 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 09/09/2025 | 6.540% | Manual Underwriting | Manual Underwriting | No | 7.963% |  | 7.750% | 7.750% | $1432.82 | No |  | $1950.00 | $162.50 | $2771.04 | $230.92 | $1020.00 | $85.00 | $0.00 | $1911.24 | $3015.08 | N/A | XXXX | MS | $85.00 | XXXX | Monthly | 48.59% | 48.59% | 48.59% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Utilization (DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes |  | No | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion, SSI and Disability, Other REO Net Rental Income(Loss) - Award Letter Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | MS | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 82874.38 | 43.4 | 82874.38 | 43.4 | No | 65.57 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9732661 | 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% | $2000.20 | No |  | $7545.72 | $628.81 | $3066.00 | $255.50 | $9000.00 | $750.00 | $0.00 | $3634.51 |  | N/A | XXXX | TX | $750.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds,Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.223 | 1.223 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 159151.57 | 43.8 | 159151.57 | 43.8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9732600 | 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 | 6.500% | 6.500% | $2186.64 | No |  | $8756.88 | $729.74 | $3626.04 | $302.17 | $0.00 | $0.00 | $0.00 | $3218.55 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.212 | 1.211 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 325601.00 | 101.2 | No | 56.71 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9732615 | 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% | $1282.50 | No |  | $5457.96 | $454.83 | $1872.96 | $156.08 | $0.00 | $0.00 | $0.00 | $1893.41 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.056 | 1.056 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 18160.97 | 9.6 | 18160.97 | 9.6 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9695110 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 10/02/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 6.950% |  | 6.875% | 6.875% | $6569.29 | No |  | $3693.24 | $307.77 | $8141.28 | $678.44 | $2937.00 | $244.75 | $0.00 | $7800.25 | $13289.32 | N/A | XXXX | AZ | $244.75 | XXXX | Annually | 43.08% | 43.08% | 43.08% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Borrower Prepared | 9 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 43 | 9 | FNMA 1005 | Yes | 46 | 33 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 42227.05 | 5.4 | 42227.05 | 5.4 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 9732642 | 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% | $2867.81 | No |  | $12104.76 | $1008.73 | $1305.12 | $108.76 | $4956.00 | $413.00 | $0.00 | $4398.30 |  | Yes | XXXX | CA | $413.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1 | 1 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 460892.85 | 104.8 | No | 40.59 | Yes | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 9732580 | 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% | $1497.85 | No |  | $3033.48 | $252.79 | $1449.72 | $120.81 | $0.00 | $0.00 | $0.00 | $1871.45 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.005 | 1.001 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | KY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 92524.79 | 49.4 | 92524.79 | 49.4 | No | 76.9 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9732551 | 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% | $1424.52 | No |  | $1006.44 | $83.87 | $2632.92 | $219.41 | $0.00 | $0.00 | $0.00 | $1727.80 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.215 | 1.215 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 664 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 11734.08 | 6.8 | 208657.87 | 120.8 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9732622 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 10/01/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.201% |  | 7.125% | 7.125% | $5470.59 | No |  | $9180.60 | $765.05 | $1118.04 | $93.17 | $1080.00 | $90.00 | $0.00 | $6418.81 | $8068.25 | N/A | XXXX | WA | $90.00 | XXXX | Monthly | 44.73% | 44.73% | 44.73% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 81.74% | 33.33% | 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 - SEPartnership - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | Employment Authorization Card or Document | XXXX | XXXX | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | Employment Authorization Card or Document | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 245386.90 | 38.2 | 245386.90 | 38.2 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 9732566 | 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% | $4713.86 | No |  | $8527.08 | $710.59 | $2161.08 | $180.09 | $0.00 | $0.00 | $0.00 | $5604.54 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.178 | 1.178 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 81572.26 | 14.6 | 81572.26 | 14.6 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9732556 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/01/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.967% |  | 7.750% | 7.750% | $895.52 | No |  | $1282.68 | $106.89 | $1377.96 | $114.83 | $0.00 | $0.00 | $0.00 | $1117.24 | $6644.27 | N/A | XXXX |  | $0.00 | XXXX |  | 24.92% | 30.23% | 30.23% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 YR W2 |  | 2+ Months |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 156 | 156 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other - 1 YR Personal Tax Returns Verified, 1 YR W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 675 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 121444.81 | 108.7 | No | 34.53 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9732599 | 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% | $1982.24 | No |  | $2166.48 | $180.54 | $1083.00 | $90.25 | $474.96 | $39.58 | $0.00 | $2292.61 |  | N/A | XXXX | ID | $39.58 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.851 | 0.85 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | ID | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 558701.03 | 243.7 | 558701.03 | 243.7 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9732603 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/06/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.262% |  | 7.125% | 7.125% | $2839.86 | No |  | $8367.84 | $697.32 | $1190.04 | $99.17 | $1776.00 | $148.00 | $0.00 | $3784.35 | $10127.52 | N/A | XXXX | CA | $148.00 | XXXX | Monthly | 47.52% | 48.28% | 48.28% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 100.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 14 | 14 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 113075.62 | 29.9 | 113075.62 | 29.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9732629 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/26/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 7.181% |  | 7.000% | 7.000% | $1663.26 | No |  | $11079.00 | $923.25 | $8780.04 | $731.67 | $648.00 | $54.00 | $0.00 | $3372.18 | $18382.77 | N/A | XXXX | TX | $54.00 | XXXX | Monthly | 31.20% | 27.07% | 27.07% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Utilization (DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 60 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | 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 |  | N/A | Borrower - Asset Depletion - 2 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1597770.47 | 473.8 | 1597770.47 | 473.8 | No | 28.25 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 9732657 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 10/01/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.324% |  | 7.000% | 7.000% | $937.41 | No |  | $4725.96 | $393.83 | $976.20 | $81.35 | $414.96 | $34.58 | $0.00 | $1447.17 | $3399.53 | N/A | XXXX | TX | $34.58 | XXXX | Annually | 35.16% | 35.15% | 35.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 39.24% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, SSI and Disability, Other REO Net Rental Income(Loss) - Award Letter Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 10155.50 | 7 | 10155.50 | 7 | No | 73.81 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9732579 | 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% | $4042.31 | No |  | $10628.04 | $885.67 | $3701.40 | $308.45 | $0.00 | $0.00 | $0.00 | $5236.43 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.108 | 1.108 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 440714.70 | 84.2 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9732571 | 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% | $3325.70 | No |  | $6528.36 | $544.03 | $795.48 | $66.29 | $0.00 | $0.00 | $0.00 | $3936.02 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.169 | 1.169 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 34261.70 | 8.7 | 525114.97 | 133.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9695087 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 10/02/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 6.784% |  | 6.750% | 6.750% | $6855.68 | No |  | $11322.00 | $943.50 | $11157.12 | $929.76 | $549.96 | $45.83 | $0.00 | $8774.77 | $16125.03 | N/A | XXXX | MN | $45.83 | XXXX | Annually | 47.89% | 48.40% | 48.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 86 | 33 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | MN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 46875.79 | 5.3 | 90991.55 | 10.4 | No | 64.97 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9732592 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | $4074.78 | No |  | $14030.04 | $1169.17 | $5405.04 | $450.42 | $2004.00 | $167.00 | $0.00 | $5861.37 |  | N/A | XXXX | CA | $167.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.007 | 1.007 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 70293.27 | 12 | 70293.27 | 12 | No | 54.8 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 9732662 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/03/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.365% |  | 7.250% | 7.250% | $2375.34 | No |  | $2950.92 | $245.91 | $1017.00 | $84.75 | $1700.04 | $141.67 | $0.00 | $2847.67 | $18320.45 | Yes | XXXX | WY | $141.67 | XXXX | Annually | 28.10% | 28.10% | 28.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | WY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 810 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 75126.08 | 26.4 | 79798.97 | 28 | No | 72.54 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9732549 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/02/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 8.334% |  | 8.000% | 8.000% | $3301.94 | No |  | $1887.36 | $157.28 | $3144.00 | $262.00 | $0.00 | $0.00 | $0.00 | $3721.22 | $8887.96 | N/A | XXXX |  | $0.00 | XXXX |  | 40.31% | 40.14% | 40.14% | 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"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 662 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 147394.53 | 39.6 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9732555 | 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% | $1455.23 | No |  | $6524.88 | $543.74 | $1727.04 | $143.92 | $0.00 | $0.00 | $0.00 | $2142.89 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.867 | 1.867 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 675 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 4359.26 | 2 | 204096.86 | 95.2 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9732550 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/06/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.826% |  | 7.750% | 7.750% | $4083.55 | No |  | $5235.48 | $436.29 | $2702.64 | $225.22 | $1100.04 | $91.67 | $0.00 | $4836.73 | $17804.99 | N/A | XXXX | GA | $91.67 | XXXX | Annually | 33.16% | 33.13% | 33.13% | 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, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 662 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 47637.15 | 9.9 | 47637.15 | 9.9 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9732645 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/19/2025 | 6.320% | Manual Underwriting | Manual Underwriting | No | 6.977% |  | 6.875% | 6.875% | $3310.92 | No |  | $3289.32 | $274.11 | $1092.96 | $91.08 | $0.00 | $0.00 | $0.00 | $3676.11 | $6367.13 | N/A | XXXX |  | $0.00 | XXXX |  | 37.55% | 37.55% | 37.55% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Utilization (DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | Yes | No | No | 60 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | 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 |  | N/A | Borrower - SSI and Disability, Asset Depletion - Award Letter Verified - ["2025"] - 2025 \|\| Co Borrower - SSI and Disability, Asset Depletion - Award Letter Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 \|\| Co Borrower - ["2025"] - 2025 | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 425375.46 | 115.7 | 425375.46 | 115.7 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 9732568 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $1344.00 | 7.000% | 7.000% | $2554.76 | No |  | $1957.08 | $163.09 | $3621.96 | $301.83 | $0.00 | $0.00 | $0.00 | $3019.68 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 2.119 | 2.119 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 12388.76 | 4.1 | 12388.76 | 4.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9694915 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 08/20/2025 | 6.610% | Manual Underwriting | Manual Underwriting | No | 7.735% |  | 7.375% | 7.375% | $2210.16 | No |  | $2872.08 | $239.34 | $3624.96 | $302.08 | $0.00 | $0.00 | $0.00 | $2751.58 | $5388.24 | N/A | XXXX |  | $0.00 | XXXX |  | 48.82% | 40.81% | 40.81% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Third-Party Prepared (Unaudited) | 12 | Accountant/Bookkeeper | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Other - 3 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 642 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 94193.80 | 34.2 | No | 55.17 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 9732631 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 08/01/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.237% |  | 7.125% | 7.125% | $3772.82 | No |  | $6985.44 | $582.12 | $1706.16 | $142.18 | $0.00 | $0.00 | $0.00 | $4497.12 | $27869.45 | N/A | XXXX |  | $0.00 | XXXX |  | 30.41% | 30.41% | 30.41% | 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"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 398018.82 | 88.5 | 398018.82 | 88.5 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9695116 | 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% | $2038.87 | No |  | $3822.72 | $318.56 | $678.96 | $56.58 | $900.00 | $75.00 | $0.00 | $2489.01 | $32050.59 | N/A | XXXX | NC | $75.00 | XXXX | Annually | 15.14% | 15.14% | 15.14% | 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 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Stamp and Passport | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 104762.87 | 42.1 | 104762.87 | 42.1 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9732558 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 09/26/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 7.640% |  | 7.500% | 7.500% | $2520.38 | No |  | $4293.12 | $357.76 | $2897.04 | $241.42 | $0.00 | $0.00 | $0.00 | $3119.56 | $4754.21 | N/A | XXXX |  | $0.00 | XXXX |  | 46.26% | 43.51% | 43.51% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 1099 Verified | 1 YR 1099 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | 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 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other - 1 YR 1099 Verified, 2 YRS Executed 4506T Verified - ["2024"] - 2024 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - ["2024"] - 2024 \|\| Co Borrower | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 677 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXXX | XXXX | 1 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 19361.69 | 6.2 | 19361.69 | 6.2 | No | 74.17 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 9732565 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/06/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.676% |  | 7.500% | 7.500% | $1293.55 | No |  | $10153.80 | $846.15 | $4248.96 | $354.08 | $0.00 | $0.00 | $0.00 | $2493.78 | $25589.02 | N/A | XXXX |  | $0.00 | XXXX |  | 38.55% | 38.55% | 38.55% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | 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 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 110591.94 | 44.3 | 277430.74 | 111.3 | No | 24.44 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 9732649 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 10/07/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 6.782% |  | 6.500% | 6.500% | $2623.08 | No |  | $271.92 | $22.66 | $908.04 | $75.67 | $0.00 | $0.00 | $0.00 | $2721.41 | $2796.02 | N/A | XXXX |  | $0.00 | XXXX |  | 44.66% | 44.66% | 44.66% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 84 | 84 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | XXXX | XXXX | HI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 142264.29 | 52.3 | 142264.29 | 52.3 | No | 59.29 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9732593 | 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% | $1688.39 | No |  | $2375.40 | $197.95 | $984.00 | $82.00 | $0.00 | $0.00 | $0.00 | $1968.34 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.372 | 1.371 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 79179.57 | 40.2 | 79179.57 | 40.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9695128 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/10/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 6.988% |  | 6.750% | 6.750% | $5344.45 | No |  | $12875.04 | $1072.92 | $1642.08 | $136.84 | $7716.00 | $643.00 | $0.00 | $7197.21 | $15732.98 | Yes | XXXX | CA | $643.00 | XXXX | Monthly | 36.46% | 36.46% | 36.46% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 240489.72 | 33.4 | 240489.72 | 33.4 | No | 80 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9732560 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/16/2025 | 6.320% | Manual Underwriting | Manual Underwriting | No | 8.075% |  | 7.750% | 7.750% | $1139.10 | No |  | $2502.00 | $208.50 | $987.96 | $82.33 | $0.00 | $0.00 | $0.00 | $1429.93 | $3698.07 | N/A | XXXX |  | $0.00 | XXXX |  | 39.70% | 39.32% | 39.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1099 Verified | 1 YR 1099 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Crypto Currency | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 1 YR 1099 Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 62416.45 | 43.7 | 9416.45 | 6.6 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9732663 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 09/30/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.062% |  | 7.000% | 7.000% | $3326.51 | No |  | $5763.60 | $480.30 | $5373.72 | $447.81 | $0.00 | $0.00 | $0.00 | $4254.62 | $13420.78 | N/A | XXXX |  | $0.00 | XXXX |  | 24.48% | 24.48% | 24.48% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Utilization (DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 100.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion | Borrower | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 810 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1169577.24 | 274.9 | 1169577.24 | 274.9 | No | 37.01 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9732588 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 09/30/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 8.176% |  | 8.125% | 8.125% | $13010.18 | No |  | $16075.92 | $1339.66 | $2656.92 | $221.41 | $0.00 | $0.00 | $0.00 | $14571.25 | $16807.75 | N/A | XXXX |  | $0.00 | XXXX |  | 46.61% | 46.61% | 46.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | E-2 Visa | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 14866.58 | 1 | 508385.43 | 34.9 | No | 79.65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9857540 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/23/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 7.161% |  | 6.990% | 6.990% | $6327.29 | No |  | $14539.20 | $1211.60 | $8623.08 | $718.59 | $0.00 | $0.00 | $0.00 | $8257.48 | $24778.66 | N/A | XXXX |  | $0.00 | XXXX |  | 33.49% | 33.49% | 33.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | Employment Authorization Card or Document | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 202151.65 | 24.5 | 202151.65 | 24.5 | No | 57.66 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9389100 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 08/28/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.401% |  | 6.875% | 6.875% | $2118.60 | No |  | $5781.84 | $481.82 | $1230.00 | $102.50 | $0.00 | $0.00 | $0.00 | $2702.92 | $7945.02 | N/A | XXXX |  | $0.00 | XXXX |  | 34.37% | 28.37% | 28.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 3 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other - CPA Letter Verified, YTD Profit And Loss Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 32371.98 | 12 | 147326.62 | 54.5 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9732562 | 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% | $1379.02 | No |  | $3234.36 | $269.53 | $1296.84 | $108.07 | $0.00 | $0.00 | $0.00 | $1756.62 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.11 | 1.11 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 196214.10 | 111.7 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9732601 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/15/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 7.028% |  | 7.000% | 7.000% | $7451.39 | No |  | $7028.64 | $585.72 | $1851.00 | $154.25 | $0.00 | $0.00 | $0.00 | $8191.36 | $456697.94 | N/A | XXXX |  | $0.00 | XXXX |  | 3.58% | 3.58% | 3.58% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SEPartnership - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 223316.24 | 27.3 | 223316.24 | 27.3 | No | 72.26 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 9732614 | 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% | $6026.56 | No |  | $15090.12 | $1257.51 | $2132.16 | $177.68 | $0.00 | $0.00 | $0.00 | $7461.75 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.072 | 1.072 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Driving License | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Other | USA Patriot Act Driving License | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1533650.91 | 205.5 | 2514922.00 | 337 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 9732586 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/01/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.218% |  | 7.125% | 7.125% | $2425.39 | No |  | $6651.24 | $554.27 | $3840.96 | $320.08 | $0.00 | $0.00 | $0.00 | $3299.74 | $20028.60 | N/A | XXXX |  | $0.00 | XXXX |  | 21.75% | 22.54% | 22.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1099 Verified | 2 YRS 1099 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Other - 2 YRS 1099 Verified - ["2024","2023"] - 2024, 2023 | Borrower - ["2024","2023"] - 2024, 2023 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 49593.44 | 15 | No | 60 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9732630 | 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% | $1657.62 | No |  | $5064.00 | $422.00 | $815.04 | $67.92 | $0.00 | $0.00 | $0.00 | $2147.54 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.071 | 1.071 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 50739.79 | 23.6 | 50739.79 | 23.6 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9857491 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/20/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 7.062% |  | 6.875% | 6.875% | $2726.25 | No |  | $6316.92 | $526.41 | $1448.52 | $120.71 | $9840.00 | $820.00 | $0.00 | $4193.37 | $11961.89 | Yes | XXXX | CA | $820.00 | XXXX | Monthly | 27.33% | 27.33% | 27.33% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | Yes | No | 120 | 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 |  | N/A | Borrower - Asset Depletion - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 2002165.31 | 477.5 | 2402940.96 | 573 | No | 53.9 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9732637 | 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% | $1288.49 | No |  | $5134.92 | $427.91 | $1832.64 | $152.72 | $0.00 | $0.00 | $0.00 | $1869.12 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.239 | 1.239 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | WI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 54255.06 | 29 | 54255.06 | 29 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 9732554 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $1653.70 | No |  | $4144.08 | $345.34 | $1398.12 | $116.51 | $0.00 | $0.00 | $0.00 | $2115.55 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.182 | 1.182 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 669 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 44204.02 | 20.9 | 45691.36 | 21.6 | No | 53.12 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9732611 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 09/29/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.288% |  | 7.250% | 7.250% | $2728.71 | No |  | $6990.36 | $582.53 | $1158.96 | $96.58 | $0.00 | $0.00 | $0.00 | $3407.82 | $18125.23 | N/A | XXXX |  | $0.00 | XXXX |  | 25.32% | 26.58% | 26.58% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 24 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patrrot Act Disclosure Borrower Identification | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Other | USA Patrrot Act Disclosure Borrower Identification | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 324210.10 | 95.1 | No | 68.61 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 9732585 | 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% | $1865.50 | No |  | $5821.20 | $485.10 | $1515.60 | $126.30 | $0.00 | $0.00 | $0.00 | $2476.90 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.09 | 1.09 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | WI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 127168.44 | 51.3 | 127168.44 | 51.3 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9732628 | 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% | $1618.80 | No |  | $2674.92 | $222.91 | $2697.96 | $224.83 | $0.00 | $0.00 | $0.00 | $2066.54 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.028 | 1.028 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 232942.60 | 112.7 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9732665 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2870.89 | 10/09/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.146% |  | 7.000% | 7.000% | $1995.91 | No |  | $6241.80 | $520.15 | $617.28 | $51.44 | $8100.00 | $675.00 | $0.00 | $3242.50 | $16615.04 | Yes | XXXX | TX | $675.00 | XXXX | Monthly | 17.74% | 17.04% | 17.04% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Utilization (DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 60 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | 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 |  | N/A | Borrower - Asset Depletion - ["2025"] - 2025 \|\| Co Borrower - Asset Depletion - ["2025"] - 2025 | Borrower - ["2025"] - 2025 \|\| Co Borrower - ["2025"] - 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 815 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1635915.31 | 504.5 | 1921028.39 | 592.5 | No | 74.87 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 9732666 | 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% | $2442.35 | No |  | $7093.80 | $591.15 | $5749.08 | $479.09 | $0.00 | $0.00 | $0.00 | $3512.59 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.509 | 1.509 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 819 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 25846.19 | 7.4 | 25846.19 | 7.4 | No | 79.96 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 9694925 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $1997.77 | No |  | $5975.04 | $497.92 | $2118.96 | $176.58 | $96.00 | $8.00 | $0.00 | $2680.27 | $5906.98 | N/A | XXXX | TX | $8.00 | XXXX | Annually | 42.93% | 42.93% | 42.93% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 34.02% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 24 | 12 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 50802.60 | 19 | 112651.50 | 42 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 9979485 | 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% | $4420.32 | No |  | $13289.16 | $1107.43 | $1407.00 | $117.25 | $1404.00 | $117.00 | $0.00 | $5762.00 | $52050.69 | N/A | XXXX | CA | $117.00 | XXXX | Monthly | 28.98% | 28.98% | 28.98% | 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 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | Passport | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 31951.49 | 5.6 | 31951.49 | 5.6 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9979416 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 5978.41 | 12/04/2025 | 6.190% | Manual Underwriting | Manual Underwriting | No | 6.838% |  | 6.625% | 6.625% | $2654.09 | No |  | $2022.24 | $168.52 | $1810.68 | $150.89 | $1440.00 | $120.00 | $0.00 | $3093.50 | $42507.77 | N/A | XXXX | AZ | $120.00 | XXXX | Monthly | 11.81% | 11.81% | 11.81% | 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"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 34525.01 | 11.2 | 34525.01 | 11.2 | No | 79.71 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9979499 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 12507.5 | 11/11/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 8.050% |  | 7.625% | 7.625% | $2654.23 | No |  | $4188.48 | $349.04 | $1327.68 | $110.64 | $0.00 | $0.00 | $0.00 | $3113.91 | $11109.39 | N/A | XXXX |  | $0.00 | XXXX |  | 24.88% | 24.88% | 24.88% | 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"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | Passport | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 71936.19 | 23.1 | 71936.19 | 23.1 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 9979374 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 10817.59 | 11/19/2025 | 6.230% | Manual Underwriting | Manual Underwriting | No | 6.809% |  | 6.375% | 6.375% | $1805.23 | No |  | $5722.20 | $476.85 | $876.00 | $73.00 | $0.00 | $0.00 | $0.00 | $2355.08 | $4995.72 | N/A | XXXX |  | $0.00 | XXXX |  | 46.49% | 46.49% | 46.49% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | Yes | Yes | 12 | 0 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - SESoleProprietor - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 12586.90 | 5.3 | 12586.90 | 5.3 | No | 62.09 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 9979502 | 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% | $4092.59 | No |  | $11488.80 | $957.40 | $594.00 | $49.50 | $0.00 | $0.00 | $0.00 | $5099.49 | $27358.23 | N/A | XXXX |  | $0.00 | XXXX |  | 27.19% | 27.20% | 27.20% | 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 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified, Lease Agreements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 15912.62 | 3.1 | 15912.62 | 3.1 | No | 67.28 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |

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## Exhibit 99.7

**Exhibit 99.7**

 **Schedule 6 - Rating Agency Multi-Property Valuation Report**

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

Rating Agency Multi-Property Valuation Report v10.22

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Property ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** | **Completion Report (1004D) Date** |
| XXXXX |  | 9239202 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | .0000 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX |  | 9239202 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | .0000 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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